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Streamline Your Transactions: Seamless and Secure Online ACH Payment Processing

Unlock a new era of seamless transactions with our cutting-edge Online ACH Payment Processing.

Experience the convenience and security of ACH payments, transforming the way you handle transactions.

Looking for a payment processor that caters to your unique transaction requirements? Our cutting-edge payment support is customized for businesses categorized as high-risk, hard-to-place, or facing restrictions.

Our Payment Integrations

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Why Choose Our ACH Payment Processing and Transaction Services?

Streamline your payment processes effortlessly with our ACH payment solutions, reducing the complexities associated with traditional methods. Enjoy a hassle-free experience for both you and your customers while ensuring the highest level of security for your transactions. Our ACH payment processing incorporates robust security measures to safeguard sensitive financial information and build trust with your clients. Experience faster transactions, bid farewell to delays, and speed up your transaction timelines to ensure that funds are transferred promptly. Keep your business agile and responsive in the fast-paced digital landscape with our efficient ACH processing services.

Virtual Terminal


Real-Time Verification


Bulk Upload via CSV or Excel

Bulk Upload via
CSV or Excel

Recurring Billing


Store Payment Methods

Store Payment

Email Invoicing


Shopping Cart Integrations

Shopping Cart

Same Day & Next Day Funding

Same Day and
Next Day Funding

High Risk Solutions

High Risk

Experience Seamless ACH Transactions for Your Business

Start your ACH payments online with quick approval and an easy registration process.

ACH Processing

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Experience unmatched affordability and user-friendliness in our ACH payment processing processing platform crafted for your business transactions.

Our ACH payment processing offers transparent and budget-friendly pricing, suitable for businesses of all sizes, from small enterprises to large corporations.

Let us help you streamline your invoicing process, saving you time and money. Join our ACH payment services today for a seamless and efficient business payment experience.

*High risk businesses may be priced higher, low risk businesses may be priced lower

Industries Served with ACH Online Payments

Ready to get started with ACH payments ?

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Discover the Customized Payment Processing Solution Suited for Your Requirements

Debit bank accounts via eCheck and ACH
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Accept Verified ACH
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Merchant Service
Accept Debit and Credit Card payments
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Transforming the Landscape of Payment Processing

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FAQ About ACH Payments

How does online ACH payment transfer work with iPay Digital customers ?

Online ACH payment transfers with iPay Digital are seamlessly efficient. Customers initiate transactions through our user-friendly platform, providing necessary details such as the recipient's account information and the payment amount. Our advanced ACH processing system then securely transfers funds between bank accounts. With iPay Digital, customers can experience swift, reliable, and secure online ACH payments, streamlining their financial transactions effortlessly.

What do I need to set up ACH payments with iPay Digital?

To set up ACH payments with iPay Digital, you only need a few key components. First and foremost, ensure you have an active account with iPay Digital, which involves a straightforward registration process. Additionally, have the necessary information on hand, including the recipient's bank account details and the amount you intend to transfer. Once you've gathered these details, you're ready to input them into our secure platform. Our user-friendly interface guides you through the process, making setting up ACH payments quick, easy, and accessible to all users.

How do I make an ACH payment online?

Making an ACH payment online is a simple and secure process. First, log in to your account, and navigate to the payment section. Enter the required information, including the recipient's bank details and the amount you wish to transfer. Review the details to ensure accuracy, and then proceed to initiate the ACH payment. Our intuitive platform guides you through the steps, providing a seamless experience. Once submitted, your ACH payment will be processed efficiently, offering you a convenient way to handle your financial transactions online.

Who accepts ACH payments online?

Numerous businesses and service providers, including notable names like QVC, Walmart, and Amazon, among smaller vendors, accept ACH payments online. This includes e-commerce platforms, utility companies, subscription services, and more. Many online retailers, both large and small, offer ACH as a payment option during the checkout process. Additionally, various billers and service providers allow customers to make payments through ACH on their websites. To check if a specific entity accepts ACH payments online, you can usually find this information on their payment or billing page, or by reaching out to their customer support for confirmation.

What is required for ACH Payments ?

For ACH payments, you typically need the following: 

  • Bank Account: To initiate ACH transactions, you'll need a valid bank account. This is where the funds will be withdrawn or deposited.
  • Authorization: Depending on the type of transaction, you might need authorization from the account holder. This can be in the form of a written authorization or acceptance of terms online.
  • Correct Information: Accurate information about the recipient's bank account is crucial, including the routing number and account number.
  • Secure Connection: When making ACH payments online, ensure you are using a secure and trusted platform to protect your financial information.
  • Compliance: Both the sender and receiver must comply with ACH network rules and regulations to ensure smooth and secure transactions.

Can individuals accept ACH payments?

Yes, individuals can accept ACH payments. ACH (Automated Clearing House) payments are not exclusive to businesses; individuals can also receive payments through this electronic funds transfer system. Whether you're getting paid for freelance services, renting property, or receiving funds from family and friends, ACH offers a secure and streamlined method for individuals to accept payments directly into their bank accounts. It's essential to share your bank account details with the payer and ensure that you are using a trusted and secure platform for processing ACH transactions.

Can I do an ACH transfer to someone else 's bank account?

Yes, you can initiate an ACH transfer to someone else's bank account. ACH (Automated Clearing House) transfers allow you to electronically send funds directly to another person's bank account. To do this, you'll need the recipient's bank account number, routing number, and their explicit authorization. It's crucial to ensure the accuracy of the provided banking information to avoid any issues with the transfer. Many financial institutions and online platforms facilitate ACH transfers, providing a convenient and secure way to send money to others.

Do all banks allow ACH transfers for payments ?

Yes, most banks in the United States allow ACH transfers for payments. ACH (Automated Clearing House) is a widely used electronic funds transfer system that enables various financial transactions, including direct deposits, bill payments, and online transfers. However, it's recommended to check with your specific bank to confirm its policies and any potential fees associated with ACH transfers. While the majority of banks support ACH transactions, individual policies and features may vary, so it's advisable to review your bank's terms and conditions or contact their customer service for detailed information. 

What app is instant ACH transfer?

While ACH (Automated Clearing House) transfers are not inherently instant and typically take 3-5 business days for completion, certain platforms like iPay Digital may offer accelerated processing times. For more precise information on the timeline of online payment transfers, it is recommended to consult with your ACH payment provider. They can provide specific details based on their processing capabilities and any expedited options they may offer.

Which Documents are Required for Submission?

  • Employer Identification Number (EIN): A unique identifier assigned by the IRS to your business.
  • Bank Balance Verification ($10,000): Proof of a sufficient bank balance for ACH transactions.
  • Driver's License: A valid government-issued identification for identity verification.
  • Voided Check or Bank Letter: Providing a voided check or a letter from the bank confirms your account details.
  • Articles of Incorporation: Legal documentation outlining your business's structure.