ACH & eCheck Payment Processing for Businesses
ACH and eCheck payment processing allows businesses to accept bank-to-bank payments securely without relying on credit cards.
Merchant Solutions Corp provides ACH merchant accounts and electronic check payment solutions that help businesses reduce payment processing fees while offering customers a convenient way to pay directly from their bank accounts.
ACH payments are widely used for recurring billing, invoices, subscriptions, and large transactions where traditional credit card fees can become expensive.
What is ACH Payment Processing?
ACH payment processing uses the Automated Clearing House network to transfer funds electronically between bank accounts.
Instead of processing a credit card transaction, ACH payments debit funds directly from a customer's checking account and deposit them into the merchant's business account.
Recurring Subscriptions
Automate subscription and membership billing with ACH debit authorization.
B2B Payments
Simplify business-to-business payments with direct bank transfers.
Invoice Payments
Allow customers to pay invoices directly from their bank accounts.
Membership Billing
Collect recurring membership dues automatically through ACH.
Payroll Services
Process payroll payments through the ACH network efficiently.
Rent & Utility Payments
Accept rent and utility payments securely via bank transfer.
What Are eCheck Payments?
eChecks (electronic checks) are digital versions of traditional paper checks. When a customer submits an eCheck payment, the system converts the banking information into an electronic transaction processed through the ACH network.
This allows customers to pay directly from their bank account without writing a physical check — perfect for online businesses.
Benefits of ACH & eCheck Processing
Lower Processing Fees
ACH transactions typically have lower fees than credit card payments, significantly reducing payment processing expenses.
Recurring Payment Automation
Automate subscription payments, memberships, and monthly billing through ACH debit authorization.
Reduced Chargebacks
ACH payments tend to have fewer disputes compared to credit card transactions.
Ideal for Large Transactions
For higher ticket transactions, ACH payments eliminate large credit card processing fees.
Reliable Bank Transfers
The ACH network processes billions of transactions annually and is widely used across the U.S. banking system.
Secure Processing
Bank-level encryption and verification tools protect every ACH and eCheck transaction.
How ACH Payments Work
The customer authorizes a bank account payment.
The payment information is securely transmitted through the ACH network.
The transaction is verified and processed through the banking system.
Funds are transferred from the customer's bank account to the merchant account.
The funds are deposited into the business bank account.
Most ACH payments settle within 1-3 business days.
Accept ACH Payments Online
Merchant Solutions Corp provides ACH solutions that allow businesses to accept bank payments through multiple channels.
Hosted Payment Pages
Secure, branded checkout pages for ACH payments.
Online Checkout Forms
Embed ACH payment forms directly on your website.
Payment Links
Send ACH payment links via email or SMS.
Invoices
Accept bank payments on invoices with one click.
CRM Payment Forms
Integrate ACH payments into CRM workflows.
Recurring Subscription Billing
Automate ACH billing for subscriptions.
These options make it easy for customers to pay electronically without needing a credit card. Learn more about our ecommerce payment solutions.
ACH Recurring Billing & Subscription Payments
ACH payments are ideal for recurring billing models. Recurring ACH billing allows businesses to automatically collect payments while reducing the risk of missed payments.
ACH Payment Security & Fraud Protection
Security is critical when processing bank payments. Merchant Solutions Corp integrates fraud protection and verification tools to protect businesses and customers during ACH transactions.
Secure Processing
These tools help ensure ACH transactions are processed securely and reliably.
Who Uses ACH & eCheck Payment Processing?
ACH payments are used across many industries where businesses accept recurring payments or large invoices. These industries benefit from reduced transaction costs and simplified billing.
Restaurants and hospitality
Retail and ecommerce businesses
Healthcare and medical offices
Professional service firms
Property management companies
Contractors and service providers
Membership organizations
SaaS and subscription companies
Why Businesses Choose Merchant Solutions Corp for ACH Processing
Merchant Solutions Corp provides flexible ACH payment solutions that integrate with modern payment infrastructure. We help businesses deploy ACH payment systems that work seamlessly with their existing payment and invoicing processes.
See how ACH fits into our full suite of merchant services, online payments, and credit card processing solutions.
ACH & eCheck Pricing
Transparent pricing for Gateway and eCheck processing — no hidden fees.
Accept eCheck and ACH payments
Gateway + eCheck
$25 per month
Processing rates
- eCheck 0.75%
- Credit card: 10¢ per transaction + daily batch fee 10¢
ACH Per Occurrence Fees
- ACH Notification of Change (NOC) Fee: $15
- ACH Return Fee: $15
- ACH Reject Fee: $25
- ACH Unauthorized Return Fee: $25
Gateway + eCheck
Everything you need to start processing eChecks and ACH payments.
ACH Payment Processing
Accept bank-to-bank payments with low processing rates.
eCheck Gateway
Inexpensive payment processing using the ACH network.
Virtual Terminal
Key-in payments from any browser — no hardware needed.
Recurring ACH Billing
Automate subscription and invoice payments with recurring schedules.
Advanced Fraud Detection Suite
Real-time monitoring and risk analysis on every transaction.
Customer Information Manager
Securely store and manage customer payment profiles.
Digital Invoicing
Send invoices with embedded payment links.
Reporting & Analytics
Detailed transaction reports and settlement summaries.
24x7 Live support
1Subject to eligibility and approval
Frequently Asked Questions
Start Accepting ACH & eCheck Payments
Merchant Solutions Corp helps businesses deploy secure ACH payment solutions that reduce transaction costs and simplify recurring billing.
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