B2B companies have historically been rooted in outdated, manual processes. Even today, with digital options readily available, we still see that more than 60% of B2B payments are submitted via paper check or some other manual process, translating to an average Days Sales Outstanding (DSO) of anywhere from 28 to 60+ days.
But that reliance on the legacy payment method is changing. B2B volume on the ACH Network increased 9.9%, from 7.4 billion in 2024 to 8.1 billion in 2025, according to Nacha, which governs the ACH Network.
The cost and fraud risk associated with accepting paper checks can’t be ignored. It costs an average of about $25 per check to process a paper check, factoring in the time and overhead involved from printing and mailing, to the staff involved in receiving and applying payment to the correct account.
Plus, paper checks can be lost, stolen, or altered, exposing sensitive bank account information. Indeed, according to the American Banker, many companies cite manual processing and fraud vulnerability as key reasons for the decline in check acceptance.
By accepting ACH payments, B2B companies can address those reasons head-on and:
Eliminate Manual Processes: No more checking the mail, opening the envelope, dropping the check off to finance, etc., because ACH payments are done digitally, instead. Companies that start accepting ACH payments see fewer manual entry steps in their payment processes.
Increase Security: Eliminating physical checks reduces the risk of security and fraud issues that come with paper checks, and companies see fewer mistakes due to human error.
Accelerate Cash Flow: On average, ACH transactions can be processed within 1 to 3 business days. Compared to the 30 - 60+ days that processing traditional checks can take, ACH provides a faster alternative and ensures businesses have access to funds when they need them.
Get Paid Faster: B2B transactions often involve large totals and many separate transactions. ACH payments help streamline these processes, allowing for quicker and more efficient fund transfers between businesses.
Improve Customer Experience: customers are happy to have a fast, secure alternative to paper checks that helps them pay in a more timely manner, with fewer manual steps on their end, too.
Reduce Costs: ACH payment fees are often lower than traditional payment methods. On average, ACH transaction fees can be up to 80% lower, making them an attractive option for businesses looking to save some money.
Our ACH solution, Trace ACH, expands your B2B cash flow options, giving your customers payment flexibility that increases customer satisfaction, while saving you time and money.
PayTace recently released a new reconciliation enhancement for Trace ACH that helps companies better see ACH transaction totals at a glance, and verify that the correct transaction amounts have been deposited into your bank account, helping with daily reconciliation.
Check out the video below to see a demo of the new report.
For more information on ACH payments or to get started with Trace ACH, connect with one of our B2B payment experts today.
The B2B payment experts, PayTrace specializes in accounts receivable automation and credit card processing, making accepting secure payments affordable and easy. With solutions for ACH, interchange optimization, surcharging, and more, the PayTrace platform is built on the solid foundation of a B2B payment gateway that’s trusted by 40,000 merchant businesses.