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ACH fees - What are ACH processing fees? | GoCardless Skip to content menu Open site navigation sidebar For use case
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Log in Sign up ACH fees - how much does ACH cost? Written by Brad Ewin An engineer-turned-writer, Brad’s focus at GoCardless is understanding the problems that face businesses around the globe. And creating the content that makes it easiest for them to navigate the solutions they have available. Brad’s writing has been featured in several other industry blogs and publications, including that of Xero, Intuit, AccountingWEB, and XU Magazine. Connect See full bio —
Reviewed by Paul Foster As Director of Global Payment Partnerships at GoCardless, Paul and his team manage global relationships with the organisations that make payments work. His expertise was instrumental in building GoCardless' ACH payment product, enabling the company to enter the North American market successfully.
Paul sits on the UK Finance Working Group on Open Banking and holds the Chartered Banker, MCIBS qualification. The Chartered Banker Diploma is the highest level qualification awarded by the Chartered Banker Institute, recognised and supported by major financial services organisations across the globe. Connect See full bio Last editedJan 2025 — 1 min read
What is ACH? ACH debit: how to get access How does ACH debit work?ACH debit payments with GoCardless
The cost of accepting ACH payments varies depending on a number of factors.
The median internal cost for processing ACH payments is $0.29.
However, the total cost associated with accepting ACH payments varies depending on a number of factors. Still, ACH fees are often much cheaper than the fees associated with accepting card payments.
One of the biggest influences on the cost of accepting ACH payments is the volume of transactions your business intends to process. Businesses with larger transaction volumes tend to pay less per transaction.
How to collect ACH Debit payments with GoCardless 1. Create your free GoCardless account , access your user-friendly payments dashboard & connect your accounting software (if you use one).
2. Easily set up & schedule ACH Debit payments via payment pages on your website checkout or secure payment links.
3. From now on you'll get paid on time, every time, as GoCardless automatically collects payment on the scheduled Direct Debit collection date. Simple.
ACH transfers take up to 3 business days, but those banks that offer faster or instant ACH transfers , such as same-day ACH, will charge a premium for that service.
When accessing ACH indirectly through a TPPP, a number of types of fees may be involved. Merchant Maverick suggests typical fees include:
Type of fee
Typical cost
Flat fee (per transaction)
$0.20 - $1.50
Percentage fee (per transaction)
0.5% - 1.5%
Monthly fee
$5 - $30
Batch fee (per batch)
<< $1
ACH return fee (per return)
$2 - $5
ACH reversal / chargeback fee (per instance)
$5 - $25
Some providers may charge any number of additional (and potentially hidden) fees. Before choosing a TPPP for your business, always read their terms and conditions thoroughly, and discuss with them if necessary, to ensure you are aware of all fees they may charge you.
For larger businesses that are capable of accessing ACH directly, fees are likely to be even lower.
You can find GoCardless' fees over on our pricing page .
Automate payment collection with ACH Debit to lower costs, reduce failed payments and save time on financial admin.
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Try a better way to collect payments
Try a better way to collect payments