Are ACH payments right for me?

Accepting ACH payments isn’t right for all businesses. But there are a few easy signs to spot for when it is.


To determine if accepting ACH payments is right for your business, there are questions you can ask yourself:

  • Does your business currently take recurring payments?
  • Do a significant portion of your customers currently pay by paper checks?
  • Do a significant portion of your customers currently pay by credit card?
  • Do the fees for ACH processing save you money compared to credit card fees?
  • Would you be able to convert your credit-card-using customers to pay by ACH instead?
  • Are any of your customer base, or potential customer base, uncomfortable with making online payments via credit card?
  • Is your business currently ineligible to accept credit and debit cards (for example, by being in a high-risk business category)?

If you answer ‘yes’ to any of these questions, your business is likely to benefit from accepting ACH payments.

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