ACH Solutions

Bank-to-bank payments built for how business moves.

ACH transfers move money directly between bank accounts — lower cost than cards, reliable for recurring billing, invoicing, and high-volume B2B payments.

Request ACH Pricing Explore ACH Options

ACH Transfer Settled

Transfer amount

$12,500

FromBusiness Checking ···4821

ToMerchant Account

TypeSame-Day ACH

StatusSettled

ACH Programs

Six ways to put ACH to work.

From subscription billing to B2B invoicing, ACH covers the payment flows where cards don't make sense.

Recurring Billing

Automate scheduled debits for subscriptions, retainers, and installment plans with proper authorization management.

Automated debit scheduling
Customer authorization management
Failed payment retry handling

Invoice ACH Payments

Send invoices with a secure ACH pay-by-link — customers authorize once and funds pull directly from their bank account.

Secure pay-by-link delivery
One-time or saved bank authorization
B2B invoice collection

eCommerce ACH

Offer bank account checkout alongside cards — reduces card processing cost on high-ticket and repeat eCommerce orders.

Embedded bank checkout option
Lower per-transaction cost vs. cards
Works with major eCommerce platforms

Specialty ACH Programs

Certain higher-risk categories can access ACH through specialty programs. Approval depends on underwriting review.

Multiple banking relationships
Specialized underwriting review
Program availability varies by vertical

Same-Day Options

Same-day ACH processing is available for qualifying transactions where faster bank-to-bank settlement matters.

Same-day settlement for eligible transfers
Useful for time-sensitive payables
Program eligibility varies

Platform Integrations

ACH capability connects to common billing, accounting, and eCommerce platforms — keeping your existing workflows intact.

Compatible with leading billing platforms
API-first for custom integrations
Works alongside card acceptance

Common use cases

Who ACH works best for.

ACH fits naturally wherever cards are too expensive, impractical, or unnecessary — especially for predictable, authorized payment flows.

B2B vendor & supplier payments
Subscription and membership businesses
Software-as-a-service (SaaS) billing
Professional services & consulting retainers
Nonprofit donation processing
Marketplace & platform payouts

Why Chance Payments

One partner across all your payment rails.

ACH alongside card acceptance — one relationship
Multiple banking relationships for broader approval
Hands-on onboarding and authorization setup
Transparent per-transaction pricing
One dedicated contact who knows your account
Specialty programs for categories others decline

Talk to a specialist

Industries served

ACH programs across business types.

B2B & Wholesale

Suppliers, distributors, and professional service firms billing other businesses — ACH handles high-ticket invoices at a fraction of card cost.

Subscriptions & SaaS

Recurring monthly billing for software, memberships, and services — reliable ACH debits reduce card decline rates and processing cost on predictable revenue.

Specialty & Nonprofits

Healthcare practices, nonprofits, and marketplace platforms that need bank-to-bank transfer with proper compliance and multi-banking support.

Common questions

ACH, answered plainly.

01What is ACH and how does it differ from card payments?

ACH (Automated Clearing House) moves funds directly between bank accounts through the Federal Reserve's network. Unlike card payments — which route through card networks and carry interchange fees — ACH transfers settle bank-to-bank at significantly lower per-transaction cost. The tradeoff is that ACH requires bank account authorization and typically takes longer to settle than a card transaction.

02Is ACH less expensive than accepting credit cards?

For most transaction types, ACH carries a lower cost than card acceptance. Exact pricing depends on volume, business type, and program. We provide a transparent breakdown before you commit — no bundled rates that obscure the real cost.

03Can I use ACH for recurring and subscription billing?

Yes. ACH is particularly well-suited to recurring billing — subscriptions, memberships, installment plans, and retainers. With proper customer authorization on file, recurring debits can be automated on your schedule. Authorization requirements vary by program.

04Can high-risk or hard-to-place businesses access ACH programs?

Specialty ACH programs are available for certain higher-risk categories. Approval and terms depend on underwriting review. We work with multiple banking relationships, which broadens the range of business types we can support compared to processors that rely on a single bank sponsor.

05How long does it take to get started with ACH?

Timeline depends on program type and underwriting. Standard programs can typically be reviewed quickly once we have your business details. Specialty or high-volume programs may require additional underwriting steps. We keep you informed throughout the process.

Ready to explore ACH for your business?

Tell us about your payment flows and we'll map out which ACH programs make sense — no commitment required.