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ACH (Automated Clearing House) is a US bank-to-bank electronic transfer network. ACH lets businesses pull funds directly from a customer's checking or savings account — no card needed. Typical settlement is 1-3 business days at a flat 0.50%-1% fee instead of 2.5%-3% for cards.
MSC's standard ACH rate is 0.50% + $0.25 per transaction with a $10/month gateway fee. High-volume merchants processing over $100K/month in ACH can qualify for tiered pricing as low as 0.25%.
Standard ACH settles in 1-3 business days. Same-Day ACH (cutoff 4:45 PM ET) settles the same business day for a small premium. Funds are available in your account on the settlement date.
Yes for many B2B use cases. ACH has lower chargeback risk than cards (60-day return window vs 540-day for cards) and 80%-90% lower processing fees. ACH NACHA rules also enforce stricter merchant authorization requirements.
Yes. MSC's gateway includes ACH invoicing — send a branded payment link via email, the customer enters their bank routing/account number once, and you can save it tokenized for future recurring payments.
Yes. We approve ACH merchant accounts for nutraceuticals, CBD, debt collection, and other categories that struggle to get card processing. ACH underwriting is separate from card underwriting at MSC.
