ACH Processing

Lower-cost bank-to-bank payments

Q: How is ACH cheaper than cards?

ACH typically charges a small flat fee per transaction instead of a percentage , so it's especially cost-effective on large or recurring payments.

Q: Which ACH platform does Velocity use?

We set up ACH through Paya , which integrates with SwipeSimple — so your bank-transfer and card payments run together under one setup.

Q: Can I automate recurring billing?

Yes — securely store bank details and schedule recurring ACH payments for subscriptions, invoices and memberships , so you stop chasing payments.

Q: How long does ACH take to settle?

ACH generally settles in a couple of business days — a fair trade-off for the much lower cost on larger payments.

Collect recurring and large payments via ACH at a fraction of card fees.

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Straight from the bank

Customer's bank

ACH network

Your account

No card networks in the middle means lower-cost payments — ideal for recurring billing, invoices and large tickets.

Best for

Recurring billers, B2B, and high-ticket invoicing.

How it works

ACH moves money directly bank-to-bank, which makes it far cheaper than cards for recurring bills, invoices, and large B2B payments where percentage-based card fees add up fast.

Velocity sets you up to collect one-time and recurring ACH payments through Paya, store customer bank details securely, and automate billing so you spend less time chasing payments. Paya integrates with SwipeSimple and your existing invoicing, so card and bank payments live side by side.

For subscriptions, memberships, tuition, rent, and wholesale invoices, ACH can dramatically lower your cost of getting paid while keeping cash flow predictable.

What you get

Much lower fees than cards

Great for recurring billing

Ideal for B2B & invoices

Your questions, answered

Frequently asked

ACH typically charges a small flat fee per transaction instead of a percentage, so it's especially cost-effective on large or recurring payments.

We set up ACH through Paya, which integrates with SwipeSimple — so your bank-transfer and card payments run together under one setup.

Yes — securely store bank details and schedule recurring ACH payments for subscriptions, invoices and memberships, so you stop chasing payments.

ACH generally settles in a couple of business days — a fair trade-off for the much lower cost on larger payments.