--- title: ACH Payment Processing | Accept ACH Payments | PayTrace description: ACH processing allows you to accept payments directly from your customers bank accounts. For merchants, accepting ACH payments is less costly than credit card processing rates. By accepting ACH payments, you are giving your customers the flexibility to pay with their preferred payment method. --- [STATUS](https://status.paytrace.com/) [SIGN IN](https://paytrace.com/login.pay) [CONNECT WITH SALES](https://paytrace.net/get-started) ** PAYMENT SOLUTIONS *for* BUSINESS ** Innovative, scalable payment solutions to save you time and fuel growth. # ACH payment processing expands your B2B cash flow options Sometimes your B2B clients want to pay bills directly from their bank account instead of using a credit card, wire transfer or paper check. Adding ACH payments gives them that flexibility, increasing customer satisfaction, while saving you time and money. [CONNECT WITH SALES ](https://paytrace.net/get-started) ![Trace-ACH_heroB-2x](https://paytrace.net/hs-fs/hubfs/paytrace_website/backgrounds/Trace-ACH_heroB-2x.png?width=2881&height=1000&name=Trace-ACH_heroB-2x.png) ![TraceACH-logo_clr](https://paytrace.net/hubfs/paytrace_website/TraceACH-logo_clr.svg) ## How does ACH payment processing work? ACH, or Automated Clearing House, is a regulated electronic network that facilitates electronic bank payments. Simply put, it's one of the most common and secure ways to move money between bank accounts. PayTrace helps you accept these payments online, which is far more efficient than accepting paper checks or wire transfers. [READ OUR BLOG POST ](https://paytrace.net/blog/unlock-efficiency-with-ach-payments-for-your-business) [DOWNLOAD THE DATASHEET ](https://paytrace.net/hubfs/paytrace_website/files_pdf/PayTrace_TraceACH-1.pdf) ACH Benefits ## Why do accounting teams love ACH payments? ![streamline-AR_icon](https://paytrace.net/hubfs/paytrace_website/streamline-AR_icon.svg) ### Streamline accounts receivable (AR) processes. B2B transactions often involve large amounts and many separate transactions. ACH payments help [streamline AR processes](https://paytrace.net/payment-link), allowing for quicker and more efficient fund transfers between businesses. ![improve-cashflow_icon](https://paytrace.net/hubfs/paytrace_website/improve-cashflow_icon.svg) ### Improve your business cash flow. Say goodbye to slow, burdensome paper checks. Rather than waiting 30 to 45 days for checks to clear, digitized ACH payment processing times are typically just 1-3 days. [ LEARN MORE ABOUT B2B SOLUTIONS ](https://paytrace.net/b2b) ## What else can ACH do for your business? ![cost-effective_icon](https://paytrace.net/hubfs/paytrace_website/cost-effective_icon.svg) ## Cost Effective ACH transaction fees can be significantly less than the costs of receiving paper checks. ![fraud_icon](https://paytrace.net/hubfs/paytrace_website/fraud_icon.svg) ## Reduced Fraud Risk Accepting ACH payments, which are less prone to fraud, helps provide additional security to your business. ![ease-recurring_icon](https://paytrace.net/hubfs/paytrace_website/ease-recurring_icon.svg) ## Easy Recurring Payments ACH payments help reduce the hassle of manual invoicing for businesses that offer subscription services or regular billing cycles. ![chargeback_icon](https://paytrace.net/hubfs/paytrace_website/chargeback_icon.svg) ## Less Chargeback Risk ACH payments generally experience lower chargeback rates, which reduces your risk of lost revenue. ![flexible_icon](https://paytrace.net/hubfs/paytrace_website/flexible_icon.svg) ## Flexible Payment Options Accepting ACH payments gives your customers more flexibility, so you can attract and retain a more diverse range of customers. ## How does ACH payment processing benefit your B2B customers? Customer experience is vital to attracting new customers and keeping existing ones happy. ![Arrow Icon](https://paytrace.net/hubfs/paytrace_website/theme/img/icons/arrow-list-icon.svg) **Enhanced security:** authentication and encryption measures in place make ACH transactions less susceptible to fraud. ![Arrow Icon](https://paytrace.net/hubfs/paytrace_website/theme/img/icons/arrow-list-icon.svg) **Cost savings:** if you offer customers a cash discount, ACH payments mean more money in their pockets. ![Arrow Icon](https://paytrace.net/hubfs/paytrace_website/theme/img/icons/arrow-list-icon.svg) **Convenience and automation:** ACH payments can be set up to pay automatically, which reduces the burden on your customers. ## PayTrace offers flexible ways to accept online ACH payments directly from customer bank accounts. ![VT_icon](https://paytrace.net/hubfs/paytrace_website/VT_icon.svg) ## Virtual Terminal Key in/manually enter ACH transactions into a web browser. ![vault_icon](https://paytrace.net/hubfs/paytrace_website/vault_icon.svg) ## Payment Vault Process ACH transactions using information from securely stored customer profiles. ![recurring_icon-1-](https://paytrace.net/hubfs/paytrace_website/recurring_icon-1-.svg) ## Recurring Payments Set up recurring and subscription ACH payments to process automatically. ![payment-link_icon](https://paytrace.net/hubfs/paytrace_website/payment-link_icon.svg) ## Payment Link Accept ACH payments by emailing an e-invoice directly to your buyers. ![pay-now_icon](https://paytrace.net/hubfs/paytrace_website/pay-now_icon.svg) ## Pay Now Buttons Add buttons that link to a hosted payment form with ACH as a payment option. ![simple-api_icon](https://paytrace.net/hubfs/paytrace_website/simple-api_icon.svg) ## API Create a custom ACH processing solution using the PayTrace API. ## Start accepting ACH payments. Provide the payment flexibility your customers want. Let us help. [CONNECT WITH SALES ](https://paytrace.net/get-started) ## Start saving with PayTrace Merchant Services Please share a few details and we’ll connect with you shortly! ## Get more details Please share a few details and we’ll be in touch. ## Talk with dev support Please share a few details and we’ll connect with you shortly! ## Our sandbox area is a great place to start Please share some details and a member of our team will be in touch. ## Talk with sales Please share a few details and we’ll connect with you shortly!