Card fees are a percentage. Your invoices are large. Put those two facts together and you're paying a tax on every deal you close. eChecks charge a flat $0.75 per transaction — no percentages, no matter how big the invoice.
The large-invoice math
Card processing at 2.9% + 30¢, next to eCheckOnly's flat $0.75:
| Invoice | Card fees | eCheck | You keep |
|---|---|---|---|
| $5,000 | $145.30 | $0.75 | $144.55 |
| $10,000 | $290.30 | $0.75 | $289.55 |
| $25,000 | $725.30 | $0.75 | $724.55 |
On a single $10,000 invoice, the card fee is almost $290. The eCheck costs less than a dollar. If you send invoices like these every month, this one change is worth thousands a year — and our pricing is exactly this simple: $0.75 flat per transaction, no percentages hiding anywhere.
Why B2B buyers actually prefer ACH
This isn't a hard sell to your customers. Most business buyers already pay vendors by ACH through their own accounts-payable process — it's how B2B money moves. Three reasons they like it:
- No card limits. A $25,000 invoice can blow past a corporate card limit. A bank transfer doesn't care.
- Cleaner reconciliation. The payment arrives as a direct bank deposit with remittance detail tied to the invoice — no card batches to untangle in accounting.
- It's already their workflow. Their AP team pays by bank transfer all day. You're meeting them where they are.
How it works on an invoice
Your invoice carries a pay-by-bank link. The customer clicks it, enters their routing and account numbers — the same numbers printed on every paper check — and authorizes the payment. The money moves through the ACH network and settles into your account, typically in 2–3 business days.
No new accounts for them to open. No app to download. Just the bank account they already use to pay everyone else.
Frequently asked questions
QWill my customers actually pay by eCheck?
Most B2B buyers already pay vendors by ACH through their own AP process. A pay-by-bank link on your invoice is familiar, not foreign — and adoption is highest when eCheck is the default with cards as the alternative.
QHow does settlement timing affect my cash flow?
eChecks typically settle in 2–3 business days — a day or two slower than cards. But on a $10,000 invoice you save about $290 per payment, so the trade is overwhelmingly worth it. And with net-15 or net-30 terms, the timing is a non-issue.
QCan I accept eChecks from international customers?
ACH is a U.S. network, so both bank accounts need to be U.S.-based. For international buyers, keep cards or wire transfers as options alongside eCheck.
QCan I offer eChecks alongside credit cards?
Yes — most businesses do. Offer eCheck as the default or encouraged option and keep cards for customers who prefer them. Every invoice that moves to eCheck saves you the card fee.
QHow does reconciliation work?
Cleaner than cards. Each eCheck carries remittance detail tied to the invoice, and funds arrive as a direct bank deposit — no card batches to reconcile, no interchange line items to decode.
Where else eChecks win
B2B invoicing is one of three places cards overcharge the most. The others: recurring billing and high-ticket sales.
Start accepting eChecks
Tell us your average invoice size and monthly volume — we'll confirm your details and get you live in days.
Apply now