Accept ACH payments and eChecks

Give customers more ways to pay. Take ACH and eCheck payments in QuickBooks.

Get paid by bank transfer (ACH) or eCheck

Get paid by bank transfer (ACH) or eCheck

ACH payments and eChecks are fast, secure, and paper-free

ACH payments and eChecks are fast, secure, and paper-free

  • ACH payments use the Automated Clearing House network
    Money moves electronically
    After your customer enters their bank information, QuickBooks prepares ACH and eCheck information for the ACH (or “Automated Clearing House”) Network.
  • ACH payments security
    Safe, secure payments
    QuickBooks delivers ACH payments and eChecks electronically over a secure connection to your bank.
  • ACH payments are paperless
    Skip the paper
    Because they’re electronic, ACH payments and eChecks are faster and more reliable than checks. And there’s no paper to track.

For existing QuickBooks customers

For existing QuickBooks customers

QuickBooks automatically reconciles your books for every payment you accept. Don’t have QuickBooks?

QuickBooks automatically reconciles your books for every payment you accept. Don’t have QuickBooks?

Rates per transaction
An electronic money transfer between banks that pulls money from your customer’s bank account and pushes it to your bank account.
ACH bank transfers
1% (max $10)
Swiping a customer’s credit or debit card using one of our card readers.
Card – Swiped
2.4% + 25¢
Sharing an online invoice with your customer, who then pays it using an ACH bank transfer or credit or debit card.
Card – Invoiced
2.4% + 25¢
Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
Card – Keyed
3.4% + 25¢
See how our rates compare

Charge more than $7,500 per month?

Save up to 40% – call 1-866-827-9500.

Are you a QuickBooks Desktop customer?

Let them pay with ACH or eCheck

Let them pay with ACH or eCheck

Reduce processing costs by up to 60%

ACH and eChecks require a lot less effort to process, and are less expensive than paper checks or credit card transactions.

Increase sales

Even if you don’t accept paper checks, accepting eChecks will provide more payment options for your customers.

Go paperless

ACH and eCheck payments are quickly transferred electronically through the ACH system.

Increase sales

Even if you don’t accept paper checks, accepting eChecks will provide more payment options for your customers.

Decrease errors and reduce risk

Merchant service providers (your ACH and eCheck payment processor) maintain and monitor files to help protect you from fraud.

How ACH payments can benefit your business

By Brendan Gage March 21, 2019
What is ACH?
ACH, or “Automated Clearing House,” is the name of the network that moves money and information from one bank account to another. Bill pay and direct deposit are examples of an ACH transaction. It’s a valuable resource saving time, conserving resources, minimizing errors, and expediting payment.
What is an ACH payment?
ACH is an electronic network that processes payments in batches. This model makes transferring funds between banks fast and easy. It’s inexpensive and faster than dealing with paper checks.
Small business owners use ACH payments for:
  • Convenience
  • Paper reduction
  • Easier tracking in account systems
  • Automated bookkeeping
With ACH transfers, you can:
  • Work with companies and vendors of all sizes more easily
  • Pay vendors with a few clicks
  • Establish connections to companies via your accounting software
ACH payment processing enables efficient cash flow management by giving parties a consistent, predictable, and transparent way to send and receive money. Personal bank transfers and wire transfers are different, for example. Here’s a quick run down:
  • Internal personal bank transfer
    These are transfers between two accounts belonging to the same person and at the same bank. For example, if you move funds from your checking account to your savings account, and the two accounts are at the same bank, that’s an internal personal bank transfer.
  • External personal bank transfer
    These transactions are between two accounts that belong to the same person, but at different banks. If you move money from a checking account at one bank to a checking account at another bank, the bank transfer is most likely an external personal bank transfer.
  • Wire transfer
    A wire transfer is used to send money from one person’s bank account to another person’s bank account. There is no intermediary (e.g. the ACH) in a wire transfer, so wire transfers are one of the quickest but costliest bank transfer methods. But unlike an ACH transfer, the payor, or customer, initiates the wire transfer for deposit into the merchant’s account.
Why accept ACH payments?
ACH payments are accurate
You can use ACH payment processing to handle automatic payments. This can prevent delays and boost your cash flow. ACH integrates with most accounting software, eliminates human error, billable hours, paper invoices, paper checks, and collection calls.
Customers like ACH payments
Many billing errors are just plain old mistakes. Automation prevents that. ACH transfers are secure, regulated, and trackable. Your customers can skip going to the bank or mailing checks. Plus, they can set up auto-pay to make things even easier.
Payment processing is faster with ACH
ACH payments should be in your account within 1-5 days, accounting for weekends and bank holidays. You don’t need to worry about updating your accounting software, taking your check to the bank, and waiting for the deposit to clear. The ACH provides a government-instituted, regulated structure ensuring security and standardization. Plus, ACH transfers are often less expensive than wires, checks, and credit card payments.
Get started with ACH payments
Move funds faster, keep your—and your customers’—information secure, and go paperless. If you’re a QuickBooks customer, simply go to your settings to enable your ACH payments option.

A helpful guide to eChecks

By Brendan Gage March 21, 2019
Unlike payments that arrive in the mail, eChecks will automate your financial management and record keeping. That means more time to devote to building your business. Here’s what you need to know about accepting electronic checks.
Go paperless
They allow your customers to send direct payment from their bank account to yours. eChecks manages invoices and automates and track payments. If you’re a QuickBooks customer, you can enable eChecks with just a few clicks in the settings menu.
Keep better records
With eChecks, you’ll have a digital transaction log that feeds data to your accounting software, your customers can make direct payments to your bank account, monitor the status of your invoices, and track customer activity.
Avoid human errors
In an eCheck transaction, automated systems (including the ACH) facilitate the verification, transmission, and clearing of funds, as well as the settlement of accounts. eCheck transactions are protected by highly secure government systems.
How are EFTs, eChecks, and ACH payments different?
The terms “ACH payment” and “eCheck” are often used interchangeably. But they are actually two types of payment belonging to a bigger category, an electronic funds transfer (EFT). An EFT transaction is the digital counterpart to the traditional physical money transaction (e.g., paper check, cash, etc.). An ACH is a network that facilitates electronic payments. An eCheck is the payment instrument itself. Many eCheck payments use ACH to complete the transaction.
It’s all about fast, secure payments
Electronic checks can eliminate almost every accounting hurdle that comes with getting paid. If you use accounting software like QuickBooks, you can monitor invoice status, access transaction records, watch payment arrive in real time, issue refunds, and record customer activity.
Some more eCheck advice
If you’re ready to get started with electronic payments, here are some tips:
  • Choose a well-established processing company. Good pricing is important, but working with a reliable processor is essential.
  • Notify your customers that your business will begin using electronic check conversion. Federal laws require you post notification about this change, give a copy to your customers, and provide them with a phone number to request more information.
  • Look for a processor that makes it easy export customer data, align your current business processes with your new electronic processing system, as well as seamlessly integrate with your business management software.
QuickBooks Payments offers a complete payment processing solution, so your business can take payments from customers in a variety of ways.

How to Save Time and Money with eChecks

By Christopher Null March 21, 2019
Electronic check, or eChecks—also referred to as electronic check conversions, or back-office conversions (BOCs)—are secure digital versions of paper checks. Using eChecks in your small business saves time and money, as well as providing additional protection against fraud.
With eChecks, you can reduce your payment processing costs by up to 60% and receive payments faster—usually within a day. Best of all, eChecks have gained popularity with consumers, who pay $500 million in bills via the Federal Reserve Bank’s Automated Clearing House (ACH) Network, according to ElectronicPayments.org.
With eChecks, your customers pay you for goods and services in one of two ways:
  • Entering their bank account information on your website.
  • Writing a paper check, which you scan in to virtual terminal provided by your merchant service provider.
In both cases, the ACH Network transfers funds from the customer’s account and deposits them into yours. The ACH Network is a highly reliable and efficient nationwide electronic network governed by the National Automated Clearing House Association (NACHA) and the Federal Reserve.
When you scan a check, the system will verify the account has the necessary funds. The virtual terminal will print a receipt for the customer to sign and keep. You void the paper check and return it to the customer. You’ll be able to view and report on your merchant transactions online (features may vary depending on your merchant service provider or your payment processing solution provider).
In addition to eChecks helping merchants go paperless, the ACH Network also handles debit-card transactions, direct deposits of payroll, Social Security, direct debit payments, b2b payments, and other government benefits,
More eCheck benefits
Besides saving you time and money and combating fraud, accepting eChecks can help increase sales. You can take paper checks, convert them into eChecks, and start accepting international and out-of-state payments while using account validation and customer authentication processes to protect your business from fraud.
eChecks conversion is easy to set up. And they help reduce the more than 67.4 million gallons of fuel used and 3.6 million tons of greenhouse gas emissions created by transporting paper checks.
Payment peace of mind
Electronic check conversion is one of the most secure payment methods in the electronic payment processing industry because it uses the latest information protection features, including:
  1. Authentication via digital signatures and public key cryptography.
  2. Duplicate detection thanks to software and operational controls used by financial institutions to prevent and detect duplication of scanned electronic representations of customer checks.
  3. Encryption used by the ACH Network, which automatically encrypts messages using 128-bit encryption and secure sockets layer (SSL) protocol.
Get started with eChecks
QuickBooks Payments offers a complete payment processing solution. Your business can take payments from customers in a variety of ways—from ACH bank payments and eChecks, to credit cards including Visa, MasterCard, Discover and American Express. Plus, payments hit your account twice as fast as before.
If you’re a QuickBooks customer, simply go into QuickBooks settings and you can enable eChecks with just a few clicks.
Terms, conditions, pricing, special features, and service and support options subject to change without notice.