ACH fees - how much does ACH cost?

The cost of accepting ACH payments varies depending on a number of factors.


According to data from Nacha, the average processing fee for an ACH payment is 11 cents. 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.

When accessing ACH indirectly through a TPPP, the types of fees involved may include:

  • Setup fees
  • Per-transaction fees (which may be a fixed sum as low as a few cents, and/or a percentage of the transaction value, which could be lower than 1%)
  • Monthly service fees

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.

‹ View table of contents Next page ›

Latest features

How to scale a fintech: Strategic advice from industry leaders

Learn from the leaders of Monzo, TransferWise, Funding Circle and more, with over 30 pieces of wisdom for scaling your fintech. Get your free copy now.

How borrowers want to repay their loans: key insights from customers

We asked 400 borrowers who have taken out at least one personal loan within the last two years about a number of key aspects of their repayment experience, including preferred payment methods, important features and common reasons for missing a repayment.

5 strategies for reducing delinquent loans with better payments

Delinquent loans are a constant concern for lenders of all sizes. If your level of loan delinquency becomes too high it can have serious negative effects on your business, including increased collection costs and reputational risk. This article explores 5 ways to reduce loan delinquency with better payments.

View all


Reference guides

View all