Accept bank transfers and eChecks directly from your customers. Flat fees instead of percentages. Works alongside your existing card processing under the same Peakwa merchant account.
Takes 60 seconds. We'll route you to the right expert.
ACH PAYMENT SOLUTIONS
ACH and eCheck payments include encryption, fraud screening, digital authorization, and direct bank deposits. Set up automatic withdrawals, installment plans, and subscription billing that runs on schedule without manual intervention.
Your customers authorize the payment once. After that, funds transfer automatically on the schedule you set, directly from their bank account to yours.
The numbers below compare typical card processing costs at 2.5 percent average with estimated ACH flat fees. Real savings depend on your volume and your current rates.
| Monthly Card Volume | Card Processing Cost (2.5% avg) | ACH Processing Cost (flat fee est.) | Monthly Saving |
|---|---|---|---|
| $5,000/mo | $125.00 | ~$15–25 | $100–110 |
| $10,000/mo | $250.00 | ~$20–40 | $210–230 |
| $20,000/mo | $500.00 | ~$30–60 | $440–470 |
| $50,000/mo | $1,250.00 | ~$60–100 | $1,150–1,190 |
Set up automatic withdrawals, installment plans, and subscription billing. The payment runs on schedule without manual intervention or invoice chasing.
Secure online authorization forms replace paper checks. Encryption, fraud screening, and account verification protect every transaction.
Full adherence to NACHA banking regulations. Account verification before processing and automated return management when a payment fails.
| Business Type | Why ACH Works |
|---|---|
| B2B Service Companies | Large invoices where a 2.5% card fee is painful. ACH flat fees save hundreds per month. |
| Gyms and Fitness Studios | Monthly membership fees collected automatically. No manual billing, no missed payments. |
| Consulting and Professional Services | Retainer payments processed automatically on the first of each month without chasing. |
| Healthcare and Medical Practices | Patient billing with recurring payment plans processed securely through the ACH network. |
| Online Education and Subscriptions | Recurring course fees or membership dues billed automatically each cycle. |
| Contractors and Trade Services | Large project invoices collected by bank transfer without the card processing percentage. |
| Property Management | Rent collection automated monthly across multiple tenants without paper checks. |
Gyms, consulting firms, online education, and service contracts.
B2B companies and subscription-based businesses.
Businesses seeking cost-efficient, stable billing methods.
How we compare to standalone ACH providers or payment aggregators.
ACH and card processing under one account. One statement, one login, one support contact for all your payment types.
Automated subscription and installment billing configured for your schedule. No third-party tools, no manual invoicing.
We manage banking regulation compliance, account verification, and return codes so you do not have to.
We show you exactly what you are paying in card fees today and what you would save by shifting eligible payments to ACH.
ACH stands for Automated Clearing House. It is the US electronic network that moves money directly between bank accounts. When you accept an ACH payment, the funds transfer from your customer's bank account to yours without using a card network.
An eCheck is a type of ACH payment. It is the electronic version of a paper check, routed through the ACH network. For most small businesses the practical difference is minimal. Both move money from the customer's bank account to yours at a flat fee.
Card processing typically costs 1.5 to 3.5 percent of each transaction. ACH processing is usually a flat fee of $0.20 to $1.50 per transaction regardless of amount. On a $500 invoice that difference can be $10 to $15 per transaction.
Standard ACH payments settle in one to three business days. Same-day ACH is available for eligible transactions and typically settles the same business day.
No. With Peakwa, ACH processing sits inside your existing merchant account alongside card processing. One statement, one support line, one rate review.
Every small business that sends invoices or collects recurring payments is quietly overpaying. Card processing fees of 2 to 3.5 percent sound small until you multiply them across a month of transactions. A business processing $20,000 a month in card payments is handing between $400 and $700 to the card networks and their processors every month. ACH payment processing is how businesses stop doing that.
ACH moves money directly from your customer's bank account to yours through the Automated Clearing House network, the same infrastructure that handles payroll, Social Security payments, and the majority of US B2B transactions. Instead of a percentage of the transaction, you pay a flat fee. The larger the transaction, the bigger the saving.
ACH and eCheck solutions from Peakwa lower costs and improve payment predictability.
