ACH PAYMENT PROCESSING SOLUTIONS

Simplify Payments with ACH Processing

ETG Payment Hub’s ACH Payment Processing solutions offer a fast, secure, and cost-effective way to send and receive bank-to-bank payments. Ideal for recurring billing, payroll, and B2B transactions, ACH helps your business streamline operations and reduce transaction fees.

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ACH Processing Benefits

Lower Transaction Fees compared to credit cards
Faster Settlements for recurring and large transactions
Improved Cash Flow with automated payment schedules
Reduced Errors with secure, direct bank transfers
Streamlined Operations for billing, payroll, and vendor payments

Online Payment Gateways

ACH & eCheck Processing

Get Your Money Faster

Industries We Serve With ACH Processing Solutions:

Professional Services (legal, accounting, consulting)
Healthcare Providers & Clinics
Property Management & Real Estate
Educational Institutions

Nonprofits & Membership Organizations
Subscription-Based Businesses
E-commerce & SaaS Companies
Construction & Trade Services

Understanding the ACH Payment Processing Industry

The ACH (Automated Clearing House) network is a nationwide payment system that moves money electronically between bank accounts. It's managed by NACHA (National Automated Clearing House Association) and is used for a wide variety of transactions, everything from direct deposits and bill payments to B2B transfers and recurring subscriptions.

ACH Payment Processing Solution

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Key Features of the ACH Industry:

Volume & Growth:
In 2023, the ACH Network processed over 30 billion transactions, representing more than $80 trillion in value. ACH usage continues to rise, especially in business and recurring payment sectors.
Speed: With the introduction of Same-Day ACH, many transfers now settle within hours, making ACH a strong alternative to checks or wire transfers.
Cost Efficiency: ACH transactions typically cost a fraction of card or wire fees, making it ideal for businesses handling high-volume or high-dollar transactions.
Security: ACH payments are encrypted and follow strict compliance standards, including NACHA rules, KYC (Know Your Customer), and AML (Anti-Money Laundering) requirements.

Common Use Cases:

Payroll Direct Deposits
Subscription Billing
Vendor and Supplier Payments
Loan and Mortgage Payments
Nonprofit Donations
Rent and Lease Collections
Insurance Premiums
Government Payments & Tax Refunds

ACH vs. Other Payment Methods:

Feature

Average Fee

Processing Time

Reversible?

Average Fee

ACH

$0.20–$1.50

1–3 business days

Yes (limited time)

Recurring, B2B

Credit Cards

1.5%–3.5% of amount

Instant

Yes (with dispute)

Retail, eCommerce

Wire Transfers

$15–$45

Same day (manual)

No

Large one-time

Why Businesses Are Moving to ACH:

Rising card fees and interchange rates
Demand for digital-first, paperless systems
Faster settlements with Same-Day ACH
High reliability and low chargeback risk

Why Choose ETG Financial for ACH Payment Processing?

Industry-Leading Network Access - ETG Financial connects you to one of the largest, most reliable ACH networks, ensuring fast, secure, and cost-effective transactions every time.

Lower Costs, Higher Efficiency - Our ACH solutions are designed to help you cut down on processing fees, automate recurring payments, and streamline your entire cash flow system.

Custom Solutions for Every Business - Whether you're a small business, large enterprise, or nonprofit, we tailor ACH setups to meet your specific needs, including recurring billing, payroll, B2B transfers, and vendor payments.

Same-Day ACH Available - Need funds to move faster? We offer Same-Day ACH processing to help you meet tight deadlines and improve operational flexibility.

Full Compliance & Security - Our ACH services are fully compliant with NACHA standards and backed by secure encryption and fraud prevention protocols.

Dedicated Support Team - ETG doesn’t just process payments, we support you every step of the way. Our team is here to ensure smooth implementation, ongoing optimization, and expert guidance.

ACH Processing Solutions Options

Direct Deposit (ACH Credit)

Direct Payment (ACH Debit)

Recurring ACH Payments

One-Time ACH Transfers

Same-Day ACH Transfers

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100% Guarantee Best Service

Frequently Asked Questions (FAQs)

What is merchant processing?

Merchant processing refers to the handling of electronic payment transactions for businesses, typically credit and debit card payments. A payment processor enables these transactions and deposits the funds into the merchant's account.

What do I need to start accepting card payments?

You need a merchant account, a payment gateway (if you're online), and a payment processor. Some platforms bundle these together.

What's the difference between a merchant account and a payment gateway?

A merchant account holds your card transaction funds before they're deposited into your bank account. A payment gateway securely transmits card information from your site to the processor.

What are typical fees for merchant processing?

Common fees include:

Transaction fees (1.5%–3.5%)

Monthly fees

Chargeback fees

PCI compliance fees

What’s the difference between flat-rate and interchange-plus pricing?

Flat-rate is a single percentage per transaction (e.g., 2.9%). Interchange-plus is the actual card network fee (interchange) plus a small markup, which can be more transparent and cost-effective for larger businesses.