A Faster, Cheaper, More Reliable Way to Move Money
ACH Payments give your business a powerful alternative to traditional card processing. Whether you’re collecting recurring payments, high‑ticket invoices, or B2B transactions, ACH delivers lower costs, fewer disputes, and predictable cash flow — all through a secure, bank‑to‑bank transfer network.
Payngen makes ACH simple, automated, and fully integrated into your existing payment workflows
Why Businesses Choose ACH
Lower Processing Costs
ACH transactions cost a fraction of card payments, making them ideal for high‑volume or high‑ticket billing. Reduce your payment overhead without sacrificing speed or reliability.
Reduced Chargebacks
ACH eliminates card‑based disputes and dramatically lowers your exposure to chargeback risk. For many industries — especially recurring billing, services, and B2B — ACH is the most stable payment method available.
Perfect for Recurring & Subscription Billing
ACH is built for predictable, repeatable payments. Set it once, automate it, and keep your revenue flowing without card expirations or declines
High‑Ticket Friendly
ACH supports large transactions without the interchange fees or risk friction that come with credit cards. Ideal for professional services, contractors, agencies, and B2B invoicing.
How ACH Works With Payngen
Your customer provides bank account details through a secure, compliant form.
The ACH network processes the transfer directly between financial institutions
Funds settle quickly, with full visibility inside your Payngen dashboard.
Receive real‑time updates for successful payments, returns, or exceptions.
Built‑In Protections & Compliance
Payngen’s ACH solution includes:
- NACHA-compliant authorization flows
- Bank account verification
- Fraud screening
- Return‑code monitoring
- Automated notifications
- Secure data handling
You get the reliability of a bank‑grade system with the simplicity of a modern SaaS platform.
Perfect For These Use Cases
- Subscription Services
- Membership billing
- Professional services
- Agencies & consultants
- B2B invoicing
- High‑ticket payments
- Property management
- Healthcare & wellness
- Education & tuition
- Nonprofits & donation
If your business collects recurring or invoice‑based payments, ACH is a natural fit
ACH vs. Credit Cards
| FEATURE / CAPABILITY | ACH Payments | Credit Cards | ||
|---|---|---|---|---|
| Processing Fees | Very low | Higher (interchange + markup) | ||
| Chargebacks | Minimal | Common | ||
| Ideal For | Recurring, high‑ticket, B2B | Retail, e‑commerce | ||
| Payment Stability | High | Medium (declines, expirations) | ||
| Fraud Risk | Lower | Higher |
ACH isn’t a replacement for cards — it’s a smarter option for the right transactions.
Why ACH Through Payngen
Manage ACH and card payments in one place.
Subscriptions, invoices, payment links, and custom workflows
No hidden fees. No surprises.
Get approved quickly and start accepting ACH payments right away.
Our team is here to help you integrate ACH into your billing strategy.
ACH gives your business a more predictable, cost‑effective way to get paid. Payngen makes it effortless