Cut Payment Costs by Up to 70% with ACH & eCheck Processing
Keep more of every dollar you earn. ACH payments — also called eChecks — cost a fraction of credit cards, with lower fees and fewer chargebacks.
Save More. Get Approved Fast. Start Accepting eChecks Today.
Powered by Canyon Payments — giving you enterprise-grade ACH processing at rates built for small business.
Lower Rates
Cut costs by paying lower fees that credit card payments. Many businesses save 70% compared to card fees.
Fast Approvals
Quick approvals with zero hassle. Our team works with you from application to go-live so you can start processing payments in days, not weeks.
Works With Your Systems
Plug-and-play with many payment gateways and checkout systems. No disruptions — just simple ACH acceptance where you already do business.
Lower Rates
Cut costs by paying lower fees that credit card payments. Many businesses save 70% compared to card fees.
Fast Approvals
Quick approvals with zero hassle. Our team works with you from application to go-live so you can start processing payments in days, not weeks.
Works With Your Systems
Plug-and-play with many payment gateways and checkout systems. No disruptions — just simple ACH acceptance where you already do business.
See Why eCheck Costs Less
Compare eCheck vs. credit card fees and find the plan that fits your business.
Pick the pricing plan that fits your business.
Each plan includes a $50 setup fee and $25/month account fee.
Plan 1 – Best for average sale amounts of $200 or less
- $0.25 + 0.25% per Transaction
- Great for e-commerce, online retail, memberships, and recurring billing
Plan 2 – Best for average sale amounts over $200
- $0.75 per Transaction
- Ideal for professional services, wholesale orders, and big-ticket sales
Accepting eCheck is Simple
Get Your Free Savings Analysis
Share your business details and current processing setup — we’ll show you exactly what you can save.
Get Matched with the Right ACH Provider
We handle all approvals, paperwork, and integrations so you don’t have to.
Start Accepting Payments
Begin processing ACH and eCheck payments in days, not weeks, with full support from our team.
Frequently Asked Questions
Clear answers, no surprises — everything you need to know about accepting eChecks.
1. What is ACH/eCheck and how does it work?
ACH (Automated Clearing House) payments — also called eChecks — let customers pay directly from their bank account. Instead of a card, funds move securely between bank accounts, usually within 2–3 business days, at a fraction of the cost.
2. How long does setup take and what do I need?
Most businesses are approved and ready to accept eChecks in just a few days. To get started, you’ll complete a short application with basic business details, your checking account information, and identification for the account owner. Our team will guide you through each step so it’s quick and straightforward.
3. How quickly will I receive my money?
Funds are typically deposited into your bank account within 2–4 business days, depending on your bank’s processing times.
4. Is eCheck/ACH secure?
Yes. eChecks are highly secure. All transactions are encrypted and processed through the federally regulated ACH network — the same system banks use for payroll and bill payments.
5. How does your pricing compare to Stripe or Braintree?
Stripe and Braintree typically charge around 0.75% per ACH transaction. With eCheckOnly, our pricing is significantly cheaper, and businesses can choose the plan that works best based on their average order size. That often means saving up to 70% compared to accepting credit cards.
6. Can I accept recurring or subscription payments?
Yes. eChecks are ideal for recurring billing — including memberships, subscriptions, tuition, rent, or other repeat payments. This helps you cut costs on every transaction while giving customers a convenient, reliable way to pay.
7. Do my customers need anything special to pay by eCheck?
No. Customers simply enter their bank routing and account number, just like writing a check online. There’s no extra setup, and it works with any standard U.S. checking account.
8. What happens if a payment fails?
If a customer’s bank account doesn’t have enough funds, the payment will be returned (NSF). You’ll see this in your dashboard right away, and you can retry or contact the customer directly.
9. Why should I offer eChecks if I already accept credit cards?
Credit card fees average 2.9% + 30¢ per transaction. By adding eChecks, you can save up to 70% on processing costs while still giving customers another secure, familiar way to pay.
Let's Talk About eCheck Solutions
Reach out to learn about pricing, setup, or partnership opportunities.