ACH and eCheck Payments Built for Scale and Control.
Built for businesses where ACH is core to operations — not an afterthought.
What are ACH and eCheck Payments?
Bank-to-bank payments processed through the ACH network — commonly used for debits, credits, and digital checks.
ACH Payments
Common for invoices, subscriptions, and high-volume bank debits.
eCheck
Often used as a fallback or alternative when card acceptance is not ideal.
Why businesses use it
Especially relevant for higher-ticket, recurring, or risk-sensitive models.
How It Works with PAYSYS
A simple flow that sets expectations: authorization → submission → processing → settlement.
Customer authorizes payment
Authorization can be collected online (WEB), by phone (TEL), or via a signed form for specific use cases.
Payment is submitted
Submit through API, an integrated gateway, or a hosted payment page / virtual terminal.
ACH processing and verification
Transactions follow ACH rules and may include validation steps for first-time WEB debits.
Settlement to your business account
Funding timing can vary based on profile, activity, and risk controls (e.g., holds/reserves when applicable).
Is ACH and eCheck The Right Fit for Your Business?
ACH is powerful, but it’s not one-size-fits-all. Use this quick guide to see if your business model aligns with bank-to-bank processing requirements.
Best for businesses that…
- Run subscriptions or recurring billing.
- Offer services or deliver over time.
- Invoice B2B customers.
- Process higher-ticket payments.
- Need operational control and clear reporting.
Consider another payment method if you…
- Rely on one-time impulse purchases.
- Need instant funding with zero review.
- Can’t consistently collect proper authorization.
- Have unpredictable fulfillment or unclear delivery timelines.
- Expect ACH to behave exactly like cards.
Ways to Accept ACH and eCheck
Meet customers where they are — online, on the phone, or on a schedule.
Online checkout
Hosted payment pages or API-based checkout to capture authorization and collect payments on your site.
Phone payments
Virtual terminal entry for sales or customer service teams, with structured authorization flows.
Recurring billing
Subscriptions, installments, and automated invoices — designed to reduce friction and improve retention.
Common Questions
Ready to Start Processing?
Join thousands of businesses already processing with PAYSYS.