Payment Providers that Accept ACH

Real-time payments

A payment systems software company powering infrastructure for banks and payment processors globally. ACI Worldwide enables real-time payment networks including FedNow, Zelle, and UK Faster Payments, processing over 671 billion transactions annually. Built for financial institutions requiring enterprise-grade payment switching and fraud management.

Professional services

A payment platform built for professional services including legal (LawPay), accounting (CPACharge), and associations. AffiniPay (now 8am) handles industry-specific compliance requirements like IOLTA trust accounting for law firms. Designed for professionals who need compliant payment acceptance with specialized billing features.

Advanced Fraud Detection

One of the longest-running US payment gateways, founded in 1996 and now owned by Visa. Authorize.Net offers reliable card processing with an Advanced Fraud Detection Suite and strong recurring billing capabilities. A trusted choice for established US businesses, especially those needing virtual terminal and phone order support.

B2B Payments

A payment orchestration platform now part of Payroc, specializing in B2B payments and subscription billing. BlueSnap offers local acquiring in 50 countries with native integrations for popular ERP and e-commerce platforms like NetSuite, BigCommerce, and Zuora. A strong fit for SaaS and B2B companies with global invoicing and subscription needs.

Stablecoin Infrastructure

An enterprise-grade stablecoin payments infrastructure provider that bridges traditional finance with digital assets. BVNK enables businesses to send, receive, and hold stablecoin payments across 130+ countries with regulatory licenses in key markets. Built for payment companies, fintechs, and enterprises that need compliant crypto payment rails.

Adult Content

A veteran high-risk payment processor established in 1998, specializing in adult entertainment, subscription-based content, and live streaming businesses. CCBill handles age verification, subscription billing automation, and compliance for industries that most processors won't touch. The go-to provider for adult content creators and platforms needing reliable payment acceptance.

Real estate

A real estate wire fraud prevention platform providing secure wire transfer verification and escrow services. Closinglock helps title companies, real estate agents, and law firms protect property transactions from wire fraud with bank verification technology.

Earned wage access

An on-demand pay platform enabling employees to access earned wages before payday. DailyPay integrates with employer payroll systems and benefits providers seeking to offer instant access to earned wages as a financial wellness benefit.

Offshore Options

A high-risk payment specialist offering both domestic US and offshore processing options for challenging merchant categories. Durango serves nutraceuticals, credit repair, tech support, and other industries that require flexible processing solutions, including offshore accounts for businesses that can't obtain US merchant accounts.

ACH Payments

A US-focused ACH payment API that simplifies bank transfers for platforms and businesses. Dwolla provides programmatic access to ACH, real-time payments, and account verification with straightforward per-transaction pricing. Popular among platforms that need to move money between bank accounts without handling the complexity of direct ACH integration.

Platforms & Direct Acquirer

A payment infrastructure platform built specifically for software platforms and marketplaces in the United States. Finix enables platforms to become their own payment facilitators with direct acquiring capabilities, offering white-label payment processing with advanced features like split transactions and merchant onboarding tools.

Recurring payments

A specialist in recurring direct debit payments across 30+ countries, supporting SEPA, BACS, ACH, and other local bank debit schemes. GoCardless makes it easy to collect subscription and invoice payments directly from bank accounts with lower fees than card payments. Ideal for SaaS, membership, and recurring billing businesses.

Small businesses

A Canadian payment processor known for transparent interchange-plus pricing with no monthly fees or long-term contracts. Helcim serves small businesses in the US and Canada with online payments, POS systems, and invoicing. A good fit for businesses seeking honest, straightforward pricing without hidden costs.

B2B payments

A B2B payment platform that lets small businesses pay vendors by ACH, check, or credit card even when vendors don't accept cards. Melio simplifies accounts payable by enabling businesses to earn card rewards while paying suppliers who only accept bank transfers. Free for ACH payments with a simple, user-friendly interface.

Gateway flexibility

A flexible payment gateway designed for ISVs, resellers, and payment facilitators who need white-label capabilities. NMI provides extensive customization options, recurring billing, and tokenization for businesses building payment experiences into their own platforms. A popular choice for software companies embedding payments.

Trucking industry

A specialized payment solutions provider for the trucking and transportation industry. OTR Solutions offers factoring, fuel advances, and fleet payment services designed for trucking companies needing faster cash flow and simplified financial management.

Cannabis Payments

Premier cannabis payment processor. 10+ years specializing in legal marijuana businesses. Services: ACH, debit processing, cannabis payment processing, gift card programs, merchant cash advance, cannabis banking. Compliant banking solutions for dispensaries, delivery services, CBD & hemp businesses.

High-Risk Merchants

A high-risk payment processor specializing in industries often declined by traditional providers, including CBD, nutraceuticals, telemarketing, and subscription services. PayKings helps businesses in challenging verticals obtain merchant accounts and provides ongoing support for managing chargebacks and compliance requirements.

High-volume merchants

A membership-based payment processor offering wholesale interchange-plus pricing with zero markup for high-volume merchants. Payment Depot's subscription model provides significant savings for businesses processing large volumes who want to avoid percentage-based markups on top of interchange fees.

High Approval Rates

A high-risk merchant account provider focused on securing approvals for businesses with challenging credit profiles or in high-risk industries. PaymentCloud serves credit repair, travel, e-commerce, and other high-chargeback verticals with dedicated account management and chargeback mitigation strategies.

Bank Account Linking

The leading financial data aggregation platform that connects applications to users' bank accounts. Plaid powers bank account linking, verification, and balance checks for thousands of fintech apps, enabling features like instant account verification, transaction data access, and identity confirmation. The standard infrastructure layer for US and European fintech applications.

High-volume businesses

A membership-based payment processor offering interchange-plus pricing with a flat monthly fee instead of percentage markups. Stax is designed for high-volume businesses that want to save on processing costs by paying wholesale rates. Includes card processing, ACH, invoicing, and business management tools.

SaaS & Developers

A developer-first payment platform known for its exceptional API design and comprehensive documentation. Stripe offers a full suite of payment infrastructure tools supporting over 100 payment methods across 135+ currencies. Ideal for SaaS companies, startups, and any business that values a modern developer experience.

Finding best rates

A payment consulting service that helps businesses find the best processing rates through audits and negotiations. Swipesum acts as a marketplace and advisor, analyzing statements and matching merchants with suitable processors. Useful for businesses unsure which provider fits their needs or wanting to reduce existing processing costs.

US Neo-Banking

A former banking-as-a-service platform that shut down operations in 2024. Note: Synapse is included for historical reference only and is no longer operational. Businesses should seek alternative BaaS providers.

Automated AP/AR

A finance automation platform that streamlines accounts payable, mass payments, and supplier management for mid-market and enterprise businesses. Tipalti handles tax compliance, fraud detection, and global payouts across 200+ countries and 120 currencies. Popular among tech companies needing to pay large numbers of affiliates, creators, or suppliers worldwide.

Embedded Banking

An embedded finance platform that enables US tech companies to launch banking, card issuing, and lending products quickly. Unit offers both white-label solutions for rapid deployment and custom API integrations for deeper customization. Ideal for SaaS platforms, marketplaces, and fintechs wanting to add financial services to their core product.

International Transfers

A transparent international money transfer service known for offering the real mid-market exchange rate with low, upfront fees. Wise provides multi-currency accounts with local bank details in 50+ currencies, making it ideal for freelancers, remote workers, and businesses that need to send or receive payments across borders frequently.

Business International Transfers

The business version of Wise (formerly TransferWise), offering multi-currency accounts and international transfers at the real mid-market exchange rate. Wise Business provides local account details in major currencies, batch payments, and integrations with accounting software. Ideal for businesses that frequently send or receive international payments and want transparent, low-cost FX.