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Automated Clearing House Payments

How does it work?

Although they take longer to process, ACH payments tend to cost less. ACH payment providers either charge a flat fee of $0.20 to $1.50 per transaction or a percentage fee of 0.5% to 1.5%. By contrast, the average credit card processing fee ranges from 1.5% to 2.9% for swiped cards.


ACH deposits are often generated from a business or government agency and processed quickly. On average, the transfer of money from the originating account to yours is one to two business days. However, the exact time your bank posts the deposit to your account after it arrives depends on the bank policy.

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