ACH Payments

At Process Payments Now, we’re redefining the way small businesses handle transactions. Our ACH processing solutions are designed to simplify and enhance your payment processing experience, ensuring that your business thrives in today’s dynamic market.

So What Is An ACH Payment?

An ACH payment is an electronic payment that is made through the Automated Clearing House (ACH) network. This transfer of payments from one bank to another uses the bank accounts routing and account number. ACH is typically more cost effective for businesses compare to accepting credit card payments. ACH is especially effective for service based businesses such as collection agencies, law firms, contractors and more. If you are looking for a tailored ACH solution for your business, look no further than Process Payments Now.

Frequently Asked Questions

We get a lot of questions from business owners about ACH acceptance. For a lot of business owners who have never accepted ACH payments, this can feel like a complex form of acceptance. We have compiled our top frequently asked questions about accepting payments via ACH. 

An ACH payment is an electronic transfer of funds between bank accounts using the Automated Clearing House network. It is used for various transactions such as direct deposits, bill payments, and business-to-business payments.

ACH payments are processed in batches. When a payment is initiated, the funds are transferred from the payer's bank account to the recipient's bank account through the ACH network. The transactions are processed at scheduled intervals throughout the day.

Standard ACH payments typically take 1-3 business days to process. However, same-day ACH payments are available, which can process transactions within the same business day.

  • Lower transaction fees compared to credit card payments
  • Secure and encrypted transactions
  • Convenient for recurring and automatic payments
  • Reduces the need for paper checks
  • Efficient for bulk payments

To make an ACH payment, you typically need the recipient's bank account number and routing number, along with the name on the account.

ACH payments can be canceled before they are processed. If a payment has already been processed, reversing it may be more complex and typically involves the recipient's consent. Unauthorized or fraudulent transactions can be disputed.

ACH payments are processed in batches and typically take 1-3 days to clear, while wire transfers are processed individually and can be completed within the same day. Wire transfers are generally more expensive than ACH payments.

Yes, ACH is used to both accept and originate payments. ACH origination can be particularly helpful if you have a lot of vendors that need to be paid on a regular basis. ACH origination reduces processing times compared to traditional bank bill pay features. With ACH origination you have happier vendors who get paid faster.

An image of someone depositing a coin in a bank via ACH payments.

Getting Started is Easy

At Process Payments Now, we believe in the small business owner. We understand that running your business is a full time commitment and worrying about little things like accepting payments can seriously take away from growing your business. That is why we have made it so simple to get started. If you are ready to get started with your ACH processing account today, give us a call at 540-386-0004 or complete our merchant application.

Trusted by Norvell Signs

Working with Process Payments Now has been a breeze. Before working with Process Payments Now we relied on QuickBooks Payments which were expensive and did not have effective tools to reduce our accounts receivable. Working with Process Payments Now we did not have to switch anything about the way we ran our business. Their system integrated with our QuickBooks but help us reduce our processing fees by thousands of dollars a month. 

Ron T.


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