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What is ACH?

Known as The Automated Clearing House, ACH is a network used for electronically moving money between participating financial institutions. It is the main system used to transfer funds between banks for consumers, businesses, or organizations. ACH payments are often called direct transfers or EFT’s.

ACH Payments deduct funds directly from your customer’s checking or savings account adding value to the customer experience and providing an efficient alternative to traditional credit card or even paper check processing.

While credit cards and payment apps are incredible financial tools, millions of consumers still have a checking account. What does this mean for you? It means Unity FI can provide a simple, safe and speedy way to allow your customers to pay directly through their Bank accounts. 

How can ACH & eCheck help your business?

Recurring Payment

Automatically collect from repeat billing customers. Bills are paid on time and you eliminate the hassle of dealing with unpaid invoices, late payment fees, and cash flow issues.

Faster Processing Time

Banks usually process ACH payments faster than traditional checks which means you’ll have access to your funds faster.

Online Payments

Avoid transaction fees while securely processing ACH payments from your website  

Pay by Phone

ACH over the phone allows customers to seamlessly make payments from their checking account

Fraud Risk Reduction

The National Automated Clearing House Association, or NACHA, enforces rules & regulations while keeping account numbers confidential.

Faster Processing Time

Banks automatically collect from repeat billing customers. Bills are paid on time, and you eliminate the hassle of dealing with unpaid invoices, late payment fees, and cash flow issues.


ACH payments can’t be lost and are not subject to human error.


Your customers don’t have to carry or send checks and they have flexibility to process one-time payments or recurring billing.

  • More expensive to establish, operate and maintain
  • Credit/debit cards and PayPal demand higher rates
  • Not ideal for recurring or subscription payments
  • Limited percentage of the market compared to ACH


  • Require time and effort to write and deposit
  • Carry risk of lost, stolen, or late checks
  • Require postage expenses
  • Require administration and operation expenses to process
  • Carry risk of check fraud and stop payment charges

Groundbreaking Acquisition Optimizes Fund Collection & Distribution