Best ACH Payment Processing Companies
Empowering businesses with seamless payment solutions and transparent pricing for unrivaled growth.
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Industry Specialization
Payment processing solutions, Specialization in high-risk industries, Industries served include E-commerce, gaming, and adult entertainment, Support for businesses with high transaction volumes, Offers charge back protection and fraud prevention services
Industry Specialization
Payment processing solutions, Specialization in high-risk industries, Industries served include E-commerce, gaming, and adult entertainment, Support for businesses with high transaction volumes, Offers charge back protection and fraud prevention services
Credit Card Processing, Merchant Processing, Retail Processing, Merchant Cash Advance
Transforming visions into captivating online experiences that drive engagement and growth.
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Web Design
Empowering businesses with seamless payment solutions and exceptional service.
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Industry Specialization
Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.
Industry Specialization
Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.
Credit Card Processing, Check Processing, Gift & Loyalty Cards, PCI Compliance, ISO Agent Programs, Mobile Processing
Alternative Payments , Merchant Cash Advance
Empowering connections and innovations in the card payment industry for a seamless transactional experience.
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Industry Specialization
Payment Processing and Card Services
Industry Specialization
Payment Processing and Card Services
Credit Card Processing
Merchant Services
Empowering businesses with seamless payment processing and tailored financial solutions.
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Industry Specialization
Payment Processing
Industry Specialization
Payment Processing
Credit Card Processing, Merchant Processing
Empowering businesses with reliable payment solutions, even in high-risk environments.
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Industry Specialization
Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services
Industry Specialization
Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services
Credit Card Processing, Online Credit Card Processing, High Risk Processing
Empowering small businesses with seamless payment solutions and customer engagement tools.
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Industry Specialization
Payment processing solutions
Industry Specialization
Payment processing solutions
Check Processing, Tablet PoS, Credit Card Processing
Empowering growth through flexible, innovative funding solutions for businesses at every stage.
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Industry Specialization
Lending and Financing
Industry Specialization
Lending and Financing
Merchant Cash Advance, Credit Card Processing, Small Business Loans
Empowering seamless digital transactions with innovative card solutions tailored for modern needs.
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Industry Specialization
Financial Services
Industry Specialization
Financial Services
Gift & Loyalty Cards, High Risk Processing, ISO Agent Programs, Portfolio Sales, Credit Card Processing
Wireless Integration
Empowering businesses with seamless and secure payment solutions tailored for every transaction.
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Industry Specialization
Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services
Industry Specialization
Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services
Credit Card Processing, Merchant Services, Point of Sale Systems
Treasury Management
Seamlessly streamline your restaurant operations with intuitive, all-in-one point of sale solutions designed for exceptional service.
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Industry Specialization
Restaurant Point of Sale, Serves High-risk industries: No
Industry Specialization
Restaurant Point of Sale, Serves High-risk industries: No
Credit Card Processing, Tablet PoS
Empowering financial institutions with innovative technology solutions for seamless banking experiences.
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Industry Specialization
Financial services and banking technology, Serves High-risk industries: No
Industry Specialization
Financial services and banking technology, Serves High-risk industries: No
Credit Card Processing
Mobile Processing
Empowering seamless online transactions with cutting-edge payment solutions.
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Industry Specialization
Payment processing and gateway services
Industry Specialization
Payment processing and gateway services
Credit Card Processing, PCI Compliance, Merchant Cash Advance
Payment Gateway , Online Credit Card Processing
Empowering seamless payment solutions that fuel your business growth with unparalleled support and flexibility.
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Industry Specialization
Payment processing solutions
Industry Specialization
Payment processing solutions
Credit Card Processing, High Risk Processing, ISO Agent Programs
Merchant Services , Payment Gateway , Retail Processing
Southern Pines
,
North Carolina
Empowering businesses with tailored payment solutions that enhance customer experience and drive growth.
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Industry Specialization
Payments and Merchant Services
Industry Specialization
Payments and Merchant Services
Merchant Services, Credit Card Processing
Effortless payment processing solutions tailored for businesses of all sizes.
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Industry Specialization
Payment processing solutions
Industry Specialization
Payment processing solutions
Mobile Processing, Online Credit Card Processing, Payment Gateway, Credit Card Processing, Point of Sale Systems
San Francisco
,
California
Empowering businesses with ethical payment solutions that prioritize social impact and transparency.
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Industry Specialization
Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors
Industry Specialization
Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors
Credit Card Processing, Merchant Services
Merchant Cash Advance
Empowering businesses with tailor-made payment solutions and unmatched support.
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Industry Specialization
Payment processing and merchant services
Industry Specialization
Payment processing and merchant services
Travel, Retail Processing, Small Business Loans, Tablet PoS, Point of Sale Systems, Pharmaceuticals, Online Gambling, Online Firearms, Payment Gateway, Online Dating, Online Credit Card Processing, Merchant Services, Merchant Processing, High Risk Processing, Gift & Loyalty Cards, Equipment Leasing, Electronic Cigarettes, Credit Card Processing, Check Processing, Bad Credit, Memberships, ACH Processing
Empowering businesses with seamless payment solutions tailored for growth and innovation.
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Industry Specialization
Payment processing services
Industry Specialization
Payment processing services
Merchant Processing, Merchant Cash Advance, ISO Agent Programs, Credit Card Processing
Education / Training
Transforming payment solutions with seamless integration and unmatched security for businesses of all sizes.
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Industry Specialization
Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.
Industry Specialization
Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.
Credit Card Processing, Merchant Services, Payment Gateway
Enterprise Payment Gateway , Mobile Processing , PCI Compliance
Our Picks for the Best ACH Payment Processing Companies
Pricing Details
- Monthly fees: Start at $49.
- Per transaction fees: 0.15% + $0.05 or flat rates like 2.5% + $0.10.
- PCI compliance fee: $99 annually.
- Chargeback fee: $15 per occurrence.
- Early termination fee: $295.
Features and Benefits
- Subscription-based pricing: Avoids markup on interchange fees.
- Payment options: Supports credit cards, debit cards, ACH payments, and mobile payments.
- E-commerce integrations: Compatible with platforms like Shopify and WooCommerce.
- Security: Includes fraud detection and prevention tools.
- Customer management: Tools for recurring billing, reporting, and analytics.
Pricing Details
- Monthly fees: $50 for website support and maintenance.
- Transaction fees: 2.5% per online payment processed.
- Annual fees: $200 for enhanced payment gateway services.
- Premium support package: $25/month for priority assistance.
Features and Benefits
- Custom web development: Tailored designs that cater to individual business goals.
- API integration: Seamless connections with third-party services for expanded functionality.
- E-commerce platform integration: Supports online stores with secure and efficient payment processing.
- CRM integration: Enables better customer relationship management through data synchronization.
- Social media integration: Connects websites with popular platforms to enhance digital reach.
- Payment gateway integration: Provides secure and quick transactions for online businesses.
- Content management system (CMS) integration: Streamlines content updates with user-friendly tools.
- Email marketing integration: Facilitates targeted email campaigns to drive engagement.
- Custom software integration: Incorporates unique tools tailored to specific business needs.
- Analytics and tracking: Offers insights into website performance and user behavior.
- Mobile application integration: Extends functionality to mobile devices for on-the-go accessibility.
Pricing Details
- Per transaction fees: Ranges from 1.29% to 2.99%, depending on the card type and merchant agreement.
- Monthly fees: Start at $0 but typically range from $5 to $25.
- Gateway fee: $5 to $15 per month (if applicable).
- Chargeback fee: $25 per occurrence.
- Setup fee: Varies, typically $49 to $99.
Features and Benefits
- Payment options: Supports credit cards, debit cards, ACH payments, and mobile payment solutions.
- E-commerce support: Integrations with platforms like Shopify and WooCommerce.
- Customizable solutions: Tailored tools for recurring billing, subscription services, and shopping carts.
- Security: PCI compliance assistance and fraud prevention measures.
- Insights: Advanced reporting and analytics tools for financial performance tracking.
Pricing Details
- Transaction fees: Range from 1.5% to 3.5% per transaction, depending on card type and transaction volume.
- Monthly fees: Typically $10 to $30, covering account maintenance and support services.
- Gateway fees: Around $0.10 to $0.25 per transaction or a monthly fee of $20 to $25.
- Annual fees: Around $100 for account maintenance and compliance.
- Chargeback fees: Not specified; typically charged on a per-occurrence basis.
- Termination fees: Not disclosed; merchants are advised to inquire for specifics.
Features and Benefits
- Payment options: Accepts credit cards, debit cards, and mobile wallets.
- Integration: Compatible with various e-commerce platforms and POS systems.
- Security: Fraud detection and prevention tools, PCI compliance assistance, and risk management services.
- Insights: Custom reporting and analytics tools for transaction management.
- Training & Support: Merchant training and ongoing support to help navigate the complexities of payment processing.
- Global reach: Multi-currency support for international transactions.
- Real-time data: Provides real-time transaction data retrieval to keep merchants informed.
Pricing Details
- Transaction fees: Range from 2.0% to 3.5% per transaction, depending on volume and risk profile.
- Monthly fees: Typically $20 to $30.
- Gateway fees: $15 to $25 per month.
- Annual fees: Around $99 for account maintenance.
- Chargeback fees: $25 per occurrence.
- Termination fees: Not disclosed; inquire for details.
Features and Benefits
- Payment options: Accepts credit cards, debit cards, ACH, and mobile payments.
- Integration: Works with e-commerce platforms, POS systems, and third-party software.
- Security: Fraud prevention services and secure payment gateway solutions.
- Insights: Offers advanced reporting and analytics tools.
- Recurring billing: Supports subscription management for businesses with recurring payment models.
- Global reach: Multi-currency transaction support.
Pricing Details
- Transaction fees: Typically range from 2.5% to 5% per transaction, depending on the industry and risk assessment.
- Monthly fees: Generally range from $20 to $100, with some plans including a minimum monthly charge.
- Gateway fees: Around $15 to $25 per month, depending on the payment technology and security features used.
- Annual fees: Account maintenance fees typically range from $100 to $300.
- Setup fees: Custom pricing based on the risk profile of the business.
- Chargeback fees: Typically range from $20 to $50 per chargeback.
Features and Benefits
- Payment options: Supports credit card processing, ACH, and e-wallets for diverse payment preferences.
- Integration: API integration for seamless payment processing across different platforms.
- Fraud prevention: Advanced fraud detection tools to minimize the risks associated with high-risk transactions.
- Real-time transaction monitoring: Enables immediate visibility into transactions for quicker resolution of issues.
- Customization: Tailored checkout solutions to suit the unique needs of each business.
- Chargeback management: Tools and strategies to manage and reduce chargeback rates.
- Reporting and analytics: In-depth reporting for insights into transaction trends and operational performance.
- Recurring billing: Supports recurring billing and subscription models, common in high-risk sectors.
- Multi-currency support: Facilitates international payments and multi-currency transactions.
- Compliance support: Assistance with navigating industry regulations and maintaining compliance with PCI standards.
- eCommerce support: Fully integrates with various e-commerce platforms for seamless online payments.
- Virtual terminal services: Available for businesses that need an online payment solution.
Pricing Details
- Transaction fees: 2.65% + $0.25 per transaction for credit card payments.
- Monthly fees: $10 for account maintenance and customer support.
- Gateway fees: $15 per month for online payment gateway services.
- Annual fees: No hidden annual fees, ensuring cost transparency.
Features and Benefits
- Payment processing: Secure solutions for credit cards, mobile payments, and e-commerce transactions.
- POS system integration: Compatible with tablet-based POS systems for flexible in-store operations.
- Mobile payment solutions: Enables businesses to accept payments on the go.
- E-commerce integration: Simplifies online transactions with seamless payment processing.
- Gift and loyalty programs: Builds customer loyalty through personalized rewards and incentives.
- CRM integration: Facilitates better customer relationship management by syncing transaction and customer data.
- Fraud prevention: Includes tools to detect and mitigate fraudulent activities.
- Data analytics and reporting: Offers actionable insights into sales and customer behavior.
- Virtual terminal services: Provides a web-based interface for remote payment processing.
- Chargeback management: Helps businesses manage disputes effectively.
- Inventory management: Streamlines stock tracking and replenishment processes.
- Marketing automation integration: Connects with marketing tools to enhance promotional efforts.
Pricing Details
- Transaction fees: Typically range from 2.5% to 3.5% of the transaction amount.
- Monthly fees: $10 to $30 for account maintenance, depending on the selected package.
- Gateway fees: $25 per month for online payment processing solutions.
- Annual fees: Around $100 for account management and updates.
- Setup fees: Custom pricing based on business requirements and financing agreements.
Features and Benefits
- Financing solutions: Includes merchant cash advances, business lines of credit, and working capital loans.
- Invoice factoring: Helps businesses access cash quickly by advancing funds against outstanding invoices.
- SBA loans: Offers government-backed small business loan options.
- Bridge loans: Provides short-term funding for immediate financial needs.
- API integration: Enables seamless data exchange with existing financial systems.
- Automated funding processes: Streamlines loan application and disbursement.
- Real-time transaction processing: Ensures immediate updates on payments and funding.
- Integration with financial software: Compatible with ERP systems and accounting tools.
- Customizable reporting tools: Allows businesses to analyze financial data and track performance.
- Compliance tracking: Ensures adherence to financial regulations.
- Multi-platform compatibility: Accessible via web, mobile, and other digital platforms.
- Data analytics and insights: Provides actionable information for better financial decision-making.
- User-friendly dashboard: Simplifies monitoring of funding status and repayment terms.
Pricing Details
- Transaction fees: 2.5% + $0.10 per transaction.
- Monthly fees: $15 for customer support and account maintenance.
- Gateway fees: $25 per month for online payment processing.
- Annual fees: None, ensuring predictable costs.
- Chargeback fees: Not disclosed; contact for details.
Features and Benefits
- Payment options: Credit cards, mobile payments, and multi-currency transactions.
- Integration: Supports e-commerce platforms, CRM systems, and accounting software.
- Security: Includes fraud prevention tools and secure gateway solutions.
- Reporting: Automated analytics and reporting capabilities.
- ID integration: Combines smart card technologies with payment systems for secure operations.
- Recurring billing: Subscription management for businesses with recurring payment needs.
Pricing Details
- Transaction fees: Typically range from 1.5% to 3.5% per transaction, with an additional fee of $0.10 to $0.30 per transaction.
- Monthly fees: Around $10 to $30, depending on the level of service and features provided.
- Gateway fees: Typically $15 to $25 per month for online payment gateway services.
- Annual fees: Ranges from $0 to $150, depending on the contract and services included.
- Chargeback fees: Not disclosed; typically charged on a per-occurrence basis.
- Equipment leasing: Not disclosed; merchants should inquire for details.
Hardware costs
- Not disclosed; merchants are advised to contact Quantum Merchant Services for custom pricing.
Features and Benefits
- Payment options: Accepts credit and debit cards, mobile payments, and recurring billing.
- Integration: Compatible with a wide range of POS systems and e-commerce platforms, including Shopify and WooCommerce.
- Security: Robust fraud prevention services, PCI compliance assistance, and secure payment gateway solutions.
- Insights: Provides detailed reporting and analytics tools for transaction management.
- Recurring billing: Supports subscription models and recurring billing options for businesses with repeat customers.
- Global reach: Multi-currency support for international transactions.
- Customization: Offers customizable payment forms and APIs for seamless integration with websites and apps.
- Customer support: Provides dedicated support to assist with payment processing challenges.
Pricing Details
- Monthly fees: Around $100, covering software access and support.
- Transaction fees: Typically 2.5% per transaction for processing credit and debit card payments.
- Setup fees: One-time fee of approximately $500 for installation and configuration.
- Gateway fees: $15 to $25 per month for payment processing services.
- Annual fees: Around $250 for software updates and additional support.
Features and Benefits
- Order management: Simplifies taking, modifying, and tracking orders in real-time.
- Inventory management: Tracks stock levels and alerts operators when inventory runs low.
- Employee scheduling: Streamlines workforce planning and integrates with payroll systems.
- Customer relationship management (CRM): Enhances guest interactions and loyalty programs.
- Table management: Optimizes table assignments and improves dining room efficiency.
- Payment processing: Supports credit, debit, and mobile payment options.
- Online ordering: Integrates with delivery platforms for takeout and delivery orders.
- Loyalty programs: Encourages repeat business with integrated rewards systems.
- Reporting and analytics: Provides insights into sales, staff performance, and customer behavior.
- Multi-location management: Centralizes operations for restaurant chains and franchises.
- Menu management: Allows for easy updates and customizations to menus.
- Gift card management: Simplifies issuing and tracking gift cards.
- Delivery solutions: Manages delivery logistics and integrates with delivery services.
- Cloud-based synchronization: Ensures real-time updates across devices and locations.
- API access: Enables integration with third-party tools and applications.
Pricing Details
- Transaction fees: Typically range from $0.05 to $0.25 per transaction, depending on transaction volume and type.
- Monthly fees: Can range from $10 to $500, based on the level of service and support needed.
- Gateway fees: Typically $15 to $50 per month for secure payment processing.
- Annual fees: Typically range from $100 to $1,200, depending on service complexity and client needs.
- Setup fee: Request to get started; pricing may vary based on the integration and services required.
Features and Benefits
- Payment options: Offers a range of payment processing solutions for credit cards, mobile payments, and check processing.
- Integration: Supports API and pre-built connectors for popular financial software and third-party payment processors.
- Security: Focus on compliance with industry standards for data security and fraud prevention systems.
- Insights: Provides data analytics, business intelligence, and compliance reporting tools for financial institutions.
- Mobile banking: Provides mobile banking applications and integration for seamless customer experiences.
- Scalability: Designed for scalability, supporting both small institutions and large financial organizations with tiered subscription options.
- Customization: Custom integration solutions tailored to client needs, with cloud-based integration options.
- Regulatory support: Ensures compliance with industry standards and regulatory reporting solutions.
Pricing Details
- Transaction fees: 1.75% to 2.4% per transaction, depending on the plan and card type.
- Monthly fees: $0 to $25, based on service level.
- Gateway fees: Around $0.30 per transaction.
- Additional fees: May apply for features like recurring billing or international transactions.
Features and Benefits
- Payment gateway: Facilitates secure online transactions.
- eCommerce integration: Seamlessly integrates with platforms like Magento, Shopify, and WooCommerce.
- Mobile payments: SDKs for iOS and Android to enable mobile payment solutions.
- Recurring billing: Subscription management tools for repeat billing.
- Security: PCI compliance and fraud prevention tools.
- Customization: Customizable payment forms and hosted payment pages.
- Analytics: Real-time transaction reporting and insights.
- Multi-currency support: Global transaction capabilities for international businesses.
Pricing Details
- Transaction fees: Range from 0.2% to 0.5%, plus a fixed fee of $0.10 to $0.30 per transaction, depending on transaction volume and type.
- Monthly fees: Typically range from $10 to $30 for account maintenance and customer support.
- Gateway fees: $25 per month for gateway access.
- Setup fees: One-time setup cost of approximately $50 to $150, depending on the services chosen.
- Annual fees: Generally, there are no annual fees.
Features and Benefits
- Payment options: Accepts a wide range of payment methods including credit cards, mobile payments, and more.
- Integration: Easy integration with e-commerce platforms, POS systems, mobile payments, and custom dashboards.
- Security: Advanced fraud detection and prevention tools, along with PCI compliance assistance.
- Insights: Detailed reporting and analytics tools to help businesses track and optimize their transactions.
- Recurring billing: Supports subscription-based and recurring billing models.
- Multi-currency support: Enables international transactions, making it easier for businesses with a global reach.
- Customer support: 24/7 customer support to help businesses with any issues.
- Onboarding: Seamless merchant onboarding process, making it easy for businesses to get started.
Pricing Details
- Transaction fees: Typically range from 1.5% to 3.5% per transaction, depending on card type and volume.
- Monthly fees: Generally range from $20 to $50, depending on services and volume.
- Gateway fees: $10 to $30 per month for online payment gateway access.
- Setup fees: One-time setup fees may apply; contact National Transaction Corporation for custom pricing.
- Chargeback fees: $15 per chargeback occurrence.
- Early termination fees: $295 if the merchant ends the contract early.
- Batch fees: $0.15 per batch.
- Monthly minimum fee: $25, applicable if transaction volume does not meet a set threshold.
- Annual fees: Typically around $99, depending on the services selected.
Features and Benefits
- Payment options: Supports credit cards, mobile payments, and electronic checks.
- Integration: Seamless integration with e-commerce platforms, POS systems, and mobile payment solutions.
- Security: Fraud prevention tools, encryption, and compliance measures to safeguard transactions.
- Insights: Reporting and analytics tools for transaction tracking and optimization.
- Recurring billing: Enables recurring billing and subscription-based payments.
- Multi-currency support: Facilitates international transactions with multi-currency support.
- Customer support: Dedicated customer support for troubleshooting and technical assistance.
- Virtual terminal access: Allows merchants to process payments manually via a virtual terminal.
- Accounting integration: Integrates with accounting software to streamline financial reporting.
Pricing Details
- Transaction fees: Typically range from 1.5% to 3.5% per transaction, depending on the type of card and the payment method used.
- Monthly fees: Generally between $10 to $30, covering account maintenance and customer support.
- Gateway fees: $10 to $25 per month for payment gateway access.
- Annual fees: Typically range from $100 to $200 for account management and renewal services.
- Setup fees: Contact Targeted Merchant Solution for customized pricing based on specific needs.
Features and Benefits
- Payment options: Accepts credit cards, digital wallets, and other payment methods.
- Integration: Offers API integrations and plugins for popular e-commerce platforms like Shopify and WooCommerce.
- Security: Advanced tokenization for secure transactions and compliance with industry standards.
- Customization: Customizable checkout solutions to align with business branding and preferences.
- Mobile payments: Integration with mobile payment systems for on-the-go transactions.
- Recurring billing: Supports recurring billing and subscription management features.
- Fraud prevention: Fraud detection and prevention tools to protect businesses from chargebacks and fraud.
- Multi-currency support: Enables international transactions with multi-currency capabilities.
- Customer analytics: Reporting and analytics tools to provide insights into customer behavior and transaction trends.
- Customer support: Dedicated support for troubleshooting and service-related inquiries.
Pricing Details
- Transaction fees: Typically range from $0.10 to $0.30 per transaction, based on processing volume and business type.
- Monthly fees: Generally between $5 to $25, depending on services used.
- Gateway fees: Typically $15 to $25 per month for payment gateway access.
- Annual fees: Account maintenance fees range from $50 to $100 annually.
- Setup fees: Custom pricing based on business requirements and agreements with Bank Card Brokers.
Features and Benefits
- Payment options: Supports a variety of payment methods, including credit and debit cards, digital wallets, and contactless payments.
- Integration: API integration for seamless payment processing and compatibility with multiple payment gateways.
- Real-time transaction processing: Allows for immediate processing of transactions.
- Customization: Offers customizable checkout experiences for a tailored payment process.
- Fraud prevention: Provides fraud detection and prevention tools to ensure secure transactions.
- Reporting and analytics: Includes integration with reporting and analytics tools for insights into transaction data.
- CRM integration: Supports customer relationship management (CRM) system integration for better client interaction.
- E-commerce support: Full compatibility with e-commerce platforms for online payment processing.
- Recurring billing: Enables recurring billing and subscription management services.
- Multi-currency support: Facilitates international transactions with multi-currency support.
- Mobile payments: Integration for mobile payment solutions for on-the-go transactions.
- POS system integration: Compatible with point-of-sale (POS) systems for physical retail transactions.
Pricing Details
- Transaction fees: Typically 2.7% + $0.30 per transaction for credit and debit card processing.
- Monthly fees: Starts at $15, covering access to their payment platform and customer support services.
- Payment gateway fee: No additional cost for using their payment gateway.
- Virtual terminal fee: $15 per month for virtual terminal access.
- Chargeback fee: $25 per chargeback.
- Setup fees: None, promoting an easy and cost-effective onboarding process.
- Annual fees: None, ensuring no hidden costs.
Features and Benefits
- Payment options: Offers credit card processing, mobile payment solutions, and donation processing, making it versatile for various business models.
- Integration: Includes API integration for payment processing and POS system integration for seamless transaction handling.
- E-commerce support: Full compatibility with e-commerce platforms, allowing businesses to accept online payments efficiently.
- Recurring billing: Enables recurring billing and subscription management, beneficial for businesses with repeat customers.
- Virtual terminal: Provides virtual terminal services for businesses that need to process payments without a physical POS system.
- Customer invoicing: Simplifies billing by offering tools for customer invoicing and chargeback management.
- Reporting and analytics: Includes reporting tools to track sales and transaction data for better business insights.
- Mobile payment solutions: Integration with mobile payment systems, supporting transactions on-the-go.
- Multi-currency support: Enables businesses to accept payments from international customers by supporting multi-currency transactions.
- Secure customer data storage: Ensures the safe storage of sensitive customer data with advanced security protocols.
Pricing Details
- Transaction fees: 2.5% to 3.5% per transaction, depending on payment methods and business type.
- Monthly service fees: $0 to $30, depending on the services utilized.
- Gateway fees: $10 to $25 per month for online payment services.
- PCI compliance fee: Around $100 annually for compliance assistance.
- Setup fee: Contact for specific pricing.
- Early termination fee & chargeback fee: Not disclosed.
Features and Benefits
- Payment processing: Secure solutions for credit card and debit card transactions.
- Point of sale (POS) systems: Tailored POS systems for a variety of businesses.
- Mobile payments: Mobile-friendly solutions for transactions on the go.
- eCommerce payment gateway: Seamless integration with online stores.
- Merchant accounts: Custom merchant accounts for diverse business needs.
- Fraud prevention: Advanced tools to detect and prevent fraudulent activity.
- Chargeback management: Tools to help reduce and manage chargebacks.
- Virtual terminal services: Access to virtual terminals for secure online payments.
- Automated recurring billing: Simplifies subscription and recurring billing models.
- API integration: Integration options for payment processing systems and merchant accounts.
- E-commerce and POS system integration: Easy integration with various sales platforms.
Pricing Details
- Transaction fees: Typically range from 2.5% to 3.5%, depending on the type of card (credit or debit) and processing method (swiped vs. keyed).
- Monthly fees: Range from $10 to $30, depending on the service level and contract terms.
- Gateway fees: If using an online payment gateway, fees range from $15 to $25 per month.
- Annual fees: Can range from $100 to $300, depending on the account setup and services selected.
- Setup fees: Upon request, as pricing varies based on specific merchant needs.
- Chargeback fee: $25 per chargeback.
- PCI compliance fee: $99 annually for businesses to maintain PCI compliance.
Features and Benefits
- Payment options: Credit card processing, ACH processing, mobile payment solutions, and e-commerce payment gateways, supporting various business models.
- Integration: Includes API and custom software integration to ensure seamless connection with existing business systems.
- Multi-currency support: Provides businesses with the ability to accept payments in different currencies, ideal for international transactions.
- Recurring billing: Features recurring billing capabilities for businesses with subscription-based models.
- Fraud prevention: Includes robust fraud detection and prevention tools to safeguard transactions and customer data.
- Reporting and analytics: Provides businesses with reporting tools for tracking sales and transaction data, enabling better decision-making.
- Virtual terminal: Offers access to a virtual terminal for businesses that need to process transactions remotely.
- POS system integration: Full compatibility with point-of-sale systems for in-person transactions.
- E-commerce platform integration: Ensures smooth integration with major e-commerce platforms, allowing online businesses to accept payments easily.
- Third-party app integration: Supports the integration of third-party applications for expanded functionality.
What Is ACH Payment Processing?
ACH payment processing helps manage electronic payments better. The Automated Clearing House (ACH) network makes transactions easy, reducing manual work.
ACH payment processing is when money moves between banks through the ACH network and lets businesses get payments straight from customers' bank accounts. This way, they don't have to deal with paper checks anymore.
How Does ACH Payment Processing Work?
The ACH transaction process handles the moving money between banks. When you make an ACH payment, your bank sends your account info to the other bank. This usually takes one to five business days. It's a secure way to send money.
ACH processing is flexible, working for both one-time and regular payments. It's great for businesses because it's more efficient than checks. Retail and e-commerce love it because it's cheaper than credit cards.
Benefits of Using ACH Payment Processing Companies for Your Business
Using ACH payment processing companies can greatly benefit your business. It offers a more efficient and cost-effective way to handle payments. Many businesses see the advantages of ACH processing in making their operations better, and ACH processing companies make this possible.
Lower Transaction Fees
One of the main advantages of ACH payment processing is the significantly lower transaction fees compared to credit card payments. While credit card processors often charge higher fees due to the risk and infrastructure involved, ACH payments typically offer much lower rates. For businesses that handle a high volume of transactions, these lower fees can add up quickly, leading to considerable savings.
ACH processing typically involves fewer intermediaries, which reduces transaction costs even further, especially for businesses that need to make bulk payments or process regular invoices.
Faster and Secure Payments
ACH payment providers process transactions faster than traditional paper checks. While it usually takes 1-2 business days for ACH transactions to settle, this is still faster than waiting for a check to clear, which can take several days.
ACH payment processing solutions are highly secure, reducing the risk of fraud that can occur with other payment methods like credit cards. ACH processors use encryption and other safety measures to protect sensitive financial data, ensuring that transactions are processed securely.
Reduced Paperwork
One of the most time-consuming tasks for businesses is managing paper checks. With ACH payment processing, the need for physical checks is eliminated, which means businesses can reduce the amount of paperwork they need to handle. This streamlining of the payment process reduces administrative burdens, allowing businesses to focus more on growth and less on paperwork. The automation of payment processing through ACH also reduces human error and the potential for delays, making financial operations more efficient.
Streamlined Cash Flow
ACH payment companies automate regular payments, such as recurring subscriptions or monthly billing cycles. This predictability makes it easier for businesses to forecast future income and expenses, reducing the chances of cash flow problems.
When businesses use ACH payments for recurring billing, they ensure that payments are made on time without the need for manual intervention, which also helps maintain a good relationship with customers. The more predictable and reliable cash flow is, the more stable the business becomes.
Increased Customer Convenience
For customers, ACH processing services offers great convenience and enables automatic payments. Once they authorize a payment, they don't have to worry about manually making payments every month. This convenience means that bills are paid on time, reducing the likelihood of late fees or service interruptions.
ACH payment processing also eliminates the need for customers to write checks or provide payment information repeatedly, making the process smoother and faster. This increased convenience improves customer satisfaction and can boost retention.
Reconciliation Made Easy
Businesses dealing with large transaction volumes benefit from ACH payment processors, as they provide clear electronic records for easy reconciliation. However, ACH payments provide clear, electronic records that make this process easier. Enterprise ACH payments providers allow businesses to track and monitor transactions in real time, helping them stay organized and maintain accurate financial records. This transparency simplifies the process of balancing books and ensures that any discrepancies can be quickly identified and resolved.
Cross-Border Transactions
In addition to domestic payments, ACH providers can also handle cross-border transactions, depending on the country and specific ACH network rules. This can be especially beneficial for businesses that have international clients or suppliers. While international bank transfers or credit card payments can come with high fees and exchange rate issues, ACH payment processing provide a more cost-effective solution for cross-border payments, helping businesses expand their global reach while controlling costs.
Fewer Chargebacks
Chargebacks are a significant concern for businesses that accept credit card payments. When customers dispute a transaction, businesses may face chargebacks that can be costly and time-consuming to resolve. ACH payments are much less prone to chargebacks because they are processed through a bank-to-bank transfer system, which makes them more secure. Once an ACH payment gateway processes a transaction, it is harder for customers to reverse, making it more reliable for businesses that want to avoid the risk of chargebacks.
How to Get ACH Payment Processing?
To start ACH payment processing for your business, follow a few steps. First, look for an ACH processor that fits your needs. Companies like GoCardless and Stripe make signing up easy.
After picking a provider, set up a merchant account. You'll need to provide your business info and bank details. Many ACH setups work with your accounting software, making things easier.
Before you start taking payments, know a few things:
- ACH transfers take one to three business days to process.
- The deadline for same-day ACH payments is 8:00 pm CT.
- For multi-owner business accounts, you need dual approval.
- If payments don't arrive in three days, contact support.
- A NACHA formatted file provides for ACH payment success.
- ACH transactions are safer because they can reverse funds if needed.
ACH transactions cost just 1% per transaction, making it a cost-effective option. It's easy for customers to use, needing only their banking info. It also avoids issues with expired cards or changed account numbers. Services like Stax help businesses save money with ACH over credit cards.
How to Choose Your ACH Payment Processing Company?
Choosing a good ACH payment processing company helps you manage your transactions well. There are several things to think about when picking an ACH provider. Knowing these key points will help you choose the right one for your business.
Transaction Fees
Choose a processor with competitive fees for your transaction volume, especially if you handle high ACH payment volumes. Check for hidden fees like setup, monthly charges, or failed transaction fees to calculate the total cost accurately.
Security Features
Ensure the ACH processor uses strong security measures like encryption, fraud detection, and PCI-DSS compliance to protect financial data and prevent breaches or fraud.
Integration Capabilities
Select an ACH API provider that integrates with your accounting, ERP, or CRM systems to automate billing, invoicing, and reconciliation, saving time and reducing errors.
Transaction Speed
Consider the processor’s settlement times—standard ACH takes 1–2 days, but faster options like same-day ACH can improve cash flow for businesses with tight deadlines.
Customer Support
Opt for an ACH service provider with 24/7 support and multiple contact channels to quickly resolve payment issues and avoid operational downtime.
Reputation and Reviews
Review feedback from similar businesses using ACH payment solutions to ensure the provider delivers reliable, secure, and high-quality services.
Compliance and Regulations
Ensure the ACH processing company complies with NACHA rules and PCI-DSS to avoid legal risks and maintain secure payment operations.
Flexibility and Features
Look for ACH processing services that have features like recurring billing, payment scheduling, mobile payments, and international ACH support to meet your business needs and adapt as you grow.
Scalability
Choose a processor that can scale with your business, offering higher transaction limits, faster processing, and new features as needed.
User-Friendly Interface
A simple, intuitive platform with real-time updates and detailed reports makes managing payments more efficient and error-free.
Methodology: How We Rate ACH Payment Processing Companies
Our editorial team evaluates ACH payment processing companies based on a thorough review of features, pricing, and usability. Data is gathered directly from company websites, product documentation, and user feedback. We also engage with company representatives and, where possible, test product demos for hands-on insights. This methodology ensures our ratings reflect the practical needs of businesses across industries.
Evaluation Criteria:
We assess ACH payment processors across six categories, with scores determined by a weighted average.
Overall Cost (30%)
Subscription fees, per-transaction costs, annual fees, and other expenses. Transparency and affordability are key factors.
Features and Benefits (25%)
Core functionalities like integration options, fraud prevention, reporting tools, and multi-currency support.
Contract Terms (5%)
Flexibility, including month-to-month plans, trial periods, and cancellation terms.
How We Define Our Ratings:
Exceptional providers excelling across all categories, offering outstanding value and flexibility.
Strong performers with excellent features, though they may have minor shortcomings.
Suitable for niche use cases but with limitations in cost, features, or usability.
Providers that fall short in multiple areas, offering limited value.
Our Commitment to Accuracy:
We regularly update our data points to reflect changes in pricing, features, or policies. Our ratings serve as a guide, but we encourage businesses to compare multiple providers to find the best fit for their unique needs.