Automated Clearing House

What is an ACH Payment?

ACH payments are transactions that go through a wireless computer network to pull funds from a checking account. Bank-to-bank ACH payments can support direct debits and credit transfers.

ACH is mostly a US-only money transfer service, but it does have a small and growing number of banks outside the US beginning to accept or initiate ACH transfers.

ACH uses the Federal Reserve as a middleman for transfers, so transfers only happen during regular business days. With ACH, you can transfer a maximum of $100,000 per payment per day.

ACH payments get rid of the vulnerabilities associated with transaction methods such as paper checks and increase the likelihood of your customers continuing to rely on your payment methods.
Online invoicing can include a link to set up an ACH payment, which then allows your customers a more convenient way to pay, especially for subscription services.
ACH payments can reduce processing costs to increase cost-effectiveness for merchants and customers who automatically pay recurring payments and avoid being charged late fees due to forgetfulness.
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Automated Clearing House Payments


ACH electronic payments are made through the Automated Clearing House (ACH) network. When employers pay wages through direct deposit or consumers pay bills electronically directly out of checking accounts, the ACH network is responsible for those payments.

Accelerate Cash Flow


Get paid faster with the most up-to-date processing options. Plus, qualified businesses can now access their funds earlier with Accelerated Payouts.*

  • Same Day ACH
  • Late Night Processing
  • Weekend & Holiday Processing
  • Recurring Payments Scheduler

*Accelerated Payouts is a tailored solution that shortens traditional settlement periods (5 business days) to 2, 1 or even 0, business days.

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ach payments

Data Security for Peace of Mind


Your customers trust you with their information. Beyond Bancard privacy and data protection solutions help safeguard their data – and ultimately, your reputation.


  • Identity & bank account verification
  • Fraud detection & prevention services
  • We will notify you of any suspicious activity

 ACH Processing Methods

Web Based

Log into our online portal and enter single entry or recurring transactions. We provide you with unlimited seats and permission settings.

Batch Upload

Create your own ACH file to upload via SFTP. We ensure they meet NACHA specifications

API Integration

Automate payments end-to-end or embed payment functionality directly in your software, preserving the look and feel of your platform.

Want to know more about Beyond Bancard?