Ach direct debit
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ACH direct debit is a payment method where the store directly pulls funds from a customer’s bank account using the Automated Clearing House (ACH) network. ACH is a U.S. financial network for electronic bank-to-bank payments.
ACH can be useful for high-ticket items where card fees would be costly and for B2B payments (invoicing, account-based purchases).
How it works
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Customer enters their bank account info (routing + account number) at checkout.
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The store, via a payment provider, gets authorization to debit the account.
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The store submits the debit through the ACH network.
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Funds are typically received in 1–3 business days.
Benefits
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Lower fees than credit card transactions.
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Reduced chargeback risks (fewer disputes compared to cards).
Drawbacks
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Slower processing than cards or instant payment methods.
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Insufficient funds or bank rejections can cause delays or failed payments.