Learning Center
What is an ACH payment and how does it work?
ACH (Automated Clearing House) is a bank-to-bank electronic transfer — the same network behind direct deposit and e-checks. It's ideal for recurring billing and large invoices because it costs far less than card processing.
ACH moves money directly between bank accounts instead of over the card networks. Because it skips interchange, it's dramatically cheaper for large or recurring payments — which makes it a favorite for B2B invoices, membership dues, rent, and subscription billing.
Velocity can set up ACH acceptance alongside your card processing, so you steer big or recurring payments to the lowest-cost rail automatically.
Frequently asked
Yes — especially on large tickets, because it avoids percentage-based card interchange.
Typically one to a few business days, depending on the transaction.
Yes — it's ideal for memberships, subscriptions, and invoices.
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