The Smart ACH Merchant Processing Solution

ACH Payment Processing FAQs

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  What does ACH stand for?

  ACH stands for Automated Clearing House, the U.S. network that manages electronic bank transfers.

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  What are the different types of ACH payments?

  An ACH credit is where the sender pushes funds (payroll or vendor payments). An ACH debit is where the receiver pulls authorized funds (recurring billing).

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  What’s the difference between eCheck and ACH?

  An electronic check (eCheck) is a digital version of a paper check that is converted into an image and transmitted electronically for clearing. eChecks allow you to remote deposit paper checks for faster processing. ACH transfers are electronic transactions between banks and managed by the National Automated Clearinghouse Association (NACHA).

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  How do ACH payments work?

  • A payment request is initiated (credit or debit).
  • Funds move securely through the NACHA network.
  • The recipient’s bank receives and posts the transfer.
  • Settlement completes within hours or 1-5 days, depending on the transfer amount and risk profile of the merchant.
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  How long do ACH transfers take?

  Standard ACH transfers take 1-3 business days. Same-day ACH transfers complete within an hour if they are sent before the cutoff time.

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  Are ACH payments reversable?

  Yes, but only for unauthorized or fraudulent transactions reported within 60 days if done via a personal account. If a business notices fraudulent activity, they must notify their bank at once, as they have only 1-2 business days to report it.

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  What’s new for ACH payments?

  • More settlement windows per day
  • Stricter fraud controls and account validation rules
  • Broader adoption by B2B platforms
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  Does ACH support international transfers?

  No. ACH is domestic only for transfer within the USA. International transfers use wire or global payment networks.

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  Why should I choose AllayPay for wholesale credit card processing?

  We make ACH transfers easy. We offer transparent pricing, seamless integration with your current systems, and access to multiple banks and payment gateways to suit your business’ needs. Also, we offer dual pricing on card-not-present transactions, such as online orders and invoices. The customer will see the card price, and the lower ACH “cash” price on the payment page.

  Ready to simplify payments, slash costs, and stay fully compliant? Contact us now and schedule a demo.