Payment Methods / Bank payments
Payment method
Accept ACH Payments
Pull payments straight from a customer's bank account — cheaply.
What is ACH Payments?
ACH (Automated Clearing House) moves money directly between bank accounts over the U.S. banking network. Instead of running a card, you debit the customer's checking account — ideal for recurring bills, B2B invoices, and large payments where card fees would sting.
Why accept ACH Payments?
- Far cheaper than cards, especially on large tickets — often a flat fee, not a percentage
- Great for recurring billing, rent, tuition, memberships, and B2B
- No card expirations to chase — bank accounts rarely change
- Reduces card-fee drag on high-dollar transactions
How to accept ACH Payments with Xray Payment
We can enable ACH alongside your card acceptance, including for recurring and invoiced payments. ACH settles more slowly than cards, so we'll set expectations on timing. Ask us to add it to your account.
Get set up →Related — Bank payments