ACH Solutions for a Smarter Payment System

ACH Payment Processing

Choose from simple ACH Virtual Terminals or integrate ACH payments via API solutions. Automate payments and streamline collection with ease.

ACH Integration

Easily integrate ACH into your software or Internet ASP solutions with our documentation, code samples, and technical support for a quick setup.

ACH Recurring Payments

ACH is perfect for recurring payments, offering lower fees and fewer declines, making it ideal for subscriptions and installments with reliable revenue.

ACH Virtual Terminal (VT)

Our PCI-compliant ACH Virtual Terminal (VT) is a secure, web-based tool for processing both ACH and credit card payments, ideal for flexible payment management.

High-Risk ACH Solutions

We offer specialized High-Risk ACH accounts for businesses with high rejection or chargeback rates, plus Check21 solutions for electronic check payments.

Seamless Integration

opencart integration
volusion integration
prestashop integration
3dcart integration
bigcommerce integration
woocommerce integration
shopify integration
magento integration
ordoro integration
zencart integration

How ACH Processing Works

  • Payment Initiation

    A business, government agency, or consumer authorizes a bank transfer either by a push (sending money) or pull (receiving money) request.

  • Information Collection (ODFI)

    The Originating Depository Financial Institution (ODFI) collects the necessary transaction details, such as account numbers and routing information, ensuring accuracy.

  • Operator Verification

    ACH operators, like the Federal Reserve, verify the details and route the transaction to the receiving bank.

  • Settlement

    Funds are transferred between accounts, settling the payment in a fast and secure manner.

  • Returns

    If there are any issues, the transaction can be reversed, with returns processed within 60 days.

How ACH Processing Works

Key Benefits of ACH Payments

  • Cost-Effective

    ACH payments have lower processing fees than credit cards and checks, allowing you to retain more of your revenue.

  • Faster Payments

    Get your payments quicker—ACH payments settle in 1-2 business days and can even be expedited with Same-Day ACH.

  • Security & Reliability

    ACH offers a secure, compliant, and automated solution for both businesses and consumers, reducing fraud and chargebacks.

  • Predictable Revenue

    Automated recurring payments help businesses ensure predictable revenue streams and eliminate late payments.

What Our Clients Say

ACH Works Great For:

Whether you’re running a subscription-based business, managing property rentals, or processing recurring payments, ACH can save you time and money. It’s ideal for industries such as:

Subscriptions & Memberships

Property Management

Rent Collection

Educational Institutions

Healthcare Providers

Logistics & Freight Billing

Software & SaaS Sales

Digital Marketing & Ad Agencies

Ecommerce

Debt Collection

Travel and Hospitality

Professional Services

Why Choose ACH Payments?

Flexible Processing Options

Same Day and Next Day ACH processing options to fit your needs.

Automated Reporting

Real-time access to cloud-based reports, giving you full visibility over all transactions.

Fraud Prevention Tools

Our solutions include advanced fraud protection to ensure secure payments every time.

Easy Integration

Seamlessly integrate with your existing accounting and payment systems using API or Batch Processing methods.

Frequently Asked Questions

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ACH merchant services allow businesses to accept direct bank-to-bank payments instead of relying only on credit cards. Great West Pay provides secure ACH payment processing services tailored for small businesses and high-volume merchants.
The best ACH service providers offer low fees, fast onboarding, and reliable support. Great West Pay specializes in ACH payment processing for small businesses, offering cost-effective solutions with seamless integration.
ACH and credit card processing both enable digital payments, but ACH fees are much lower (around $0.20–$1.50 per transaction). Great West Pay offers both ACH and credit card processing, giving businesses flexible payment options.
ACH processing software automates recurring payments, billing, and validation. Yes—Great West Pay provides ACH processing software that makes it easy to manage transactions, reduce returns, and streamline payment operations.
The best ACH payment processing for small business should be affordable, secure, and scalable. Great West Pay provides ACH services for small businesses with features like recurring billing, ACH deposit services, and ACH collection services.
Yes, Great West Pay offers ACH online payment processing services that allow merchants to collect payments directly from customer bank accounts. This is especially useful for subscriptions, memberships, and service-based businesses.
Businesses should choose ACH processing companies that offer compliance, validation services, and flexible pricing. Great West Pay is among the best ACH processing companies for both startups and established businesses.
ACH billing services allow companies to set up recurring payments for utilities, rent, memberships, and more. Great West Pay’s ACH billing services help reduce late payments and improve cash flow management.
Yes, Great West Pay provides ACH validation services to verify bank account details before processing payments, reducing the risk of returns, fraud, and unauthorized transactions.
Absolutely. Great West Pay offers both ACH transfer services and credit card processing, allowing businesses to provide customers with flexible payment options while lowering processing costs.