Posted by NationalACH on Feb 04, 2011

What is an ACH Merchant Account?

ACH merchant accounts use the US Electronic Funds Transfer (EFT) network to process payments.  NACHA is the governing body of the ACH EFT network.

ACH debits give you the ability to electronically debit funds from a buyers' bank accounts to pay for goods or services. The money is automatically deposited to your business bank account. 

ACH debits can be deducted from both business or individual bank accounts. Checking, savings, loan, and financial institution general ledger accounts can all be debited with ACH.

ACH merchant accounts  are commonly used by ecommerce companies to increase sales.  ACH echecks are the are the most popular alternative payment method for US buyers.

Accept checks online. Accept check by phone, mail or fax orders.

Companies that offer ACH echecks on the checkout page report sales lifts up to 29%.  Echecks let you capture sales from buyers that do have cards, are maxed out on cards, or simply prefer to pay by you with an electronic check.

Benefits of ACH Payments

  • Increase Sales. ACH merchant accounts are the fastest growing alternative payment method for internet sales. Millions of Americans regularly purchase goods & services online with ACH electronic checks.
  • Decrease Shopping Cart Abandonment. If a credit card is rejected, offer an an electronic check payment option. Rescue sales that otherwise would have been lost.
  • Reduce Payment Processing Expense. Echeck processing saves money over cards. Processing fees are often 50-80% less than credit card merchant accounts.
  • Increase Cash Flow. Get rid of payment-delaying tactics and eliminate the wait for a check to arrive by mail.
  • Boost Revenues.  Accept checks online to generate more sales and boost profits.
  • Lower Administrative Costs. Eliminate preparing and mailing customer invoices. Automation of payments for your accounts receivables means you get your money faster, with less work

ACH eChecks for Ecommerce

An ACH merchant account can be used across multiple sales channels. You can accept checks online and check by phone, mail and fax orders.

ACH echecks are integrated to your website through an API.  The API connects the site to secure banking networks for safe transaction processing.   

You view and mange your account through a “dashboard” through which you can view transactions, create reports, and modify the parameters of the system.  You can search, sort, and track the status of any transaction.  A large variety of reports are readily available to provide data to management.

At checkout, buyers chose to pay with an electronic check. The transaction is processed through the API. Check by phone orders are processed through a virtual terminal.

ACH echecks are cleared through the United States Federal Reserve Bank. Cleared funds are settled to your business bank account.


ACH merchant accounts automate payments, increase cash flow, and reduce expenses. 

With an ACH account, you can

  • Initiate ACH debits & ACH credits
  • Accept checks online
  • Accept check by phone, mail & fax orders

Adding echecks as a payment option at check out is the fastest way to get more sales. The more ways customers can pay you, the more money you make.

Interested in applying for an ACH merchant account?