General

What is an ACH payment?
ACH (Automated Clearing House) is a U.S. banking network that allows electronic transfers between bank accounts (debits or credits). It’s slower than real-time options but generally cheaper and reliable.

Why use ACH instead of credit card or wire transfers?
Pros: lower transaction fees, fewer intermediaries, useful for recurring payments.
Cons: slower processing, more risk of returns or reversals, some limits.

How do I turn on ACH payments?
If you were onboarded after 3/1/25, there’s nothing you need to do, you have already been approved for ACH payments
If you were onboarded before 3/1/25, please fill out this form to accept terms & fees. Once we have received your form, we will start the onboarding process.

Limits

What is the maximum transaction amount?
The default cap is $5,000 per transaction. If your use case demands higher limits, you can request an exception (we’ll evaluate case-by-case).

Can you raise the limit in the future?
Yes — over time, with risk history and volume, we may allow higher limits for trusted customers.

What if a payment exceeds $5,000 accidentally?
We’ll reject it unless you’ve been granted an elevated limit. You or your customer will get an error message. If you need to complete a payment that exceeds your limit, you can split it to multiple payments.

Processing

How long does processing take?
Expect up to 7 business days for funds to fully clear (there are banking batches, verifications, etc.).
Processing can vary due to weekends, holidays, or interbank delays. 
Your bank might also impose an internal hold, but that’s outside our control.

When do ACH transactions “count” as initiated?
If a transaction is submitted after a bank’s cutoff or on a non-business day, it gets queued to the next business day.

What about cutoff times / how batching works?
Banks group ACH transactions into batches at set windows (morning, midday, evening). If you submit after the cutoff, your transaction waits until the next batch. That’s one cause of delay.

Is ACH allowed for recurring payments?
Yes, both one-time and recurring ACH setups are supported. Just ensure the authorization clearly defines recurrence, amount, and cancellation terms.

Types & Labeling

What’s “ACH” vs “ACH (offline)”?

We’ll clearly label payments as “ACH” vs “ACH (offline)” so you and your customers know which path was used.

• Offline ACH: you and your customer handle payment “off platform” (e.g. via bank transfer or check‐conversion). This option will still be available to you, but not to your customers.
• Online ACH: payment goes through the platform itself (you initiate via our interface, we supervise routing, verification, etc.).
   

Refunds, Reversals & Returns

How are refunds handled?
We treat them the same as credit card refunds: initiate via the platform, and the funds return via the same ACH channel (if possible).

How long do refunds take to process?
Expect up to 7 business days for funds to fully clear (there are banking batches, verifications, etc.).
Processing can vary due to weekends, holidays, or interbank delays. 
Your bank might also impose an internal hold, but that’s outside our control.

What if the ACH payment is in a pending state or has not cleared yet?
If it hasn’t settled into your account, we may be able to “void” or cancel it before the batch is sent out. Once it’s in the banking network, we’d have to issue a full refund (credit).

What happens with returned ACH payments (bounced, insufficient funds, wrong account, etc.)?
You will be charged a $25 return fee (same as credit card return/chargeback fees).
You (or we, depending on settings) will get a notification, and the payment will be reversed.

Can customers dispute ACH debits?
Yes. Under ACH/NACHA rules, they can dispute if:

• the debit was unauthorized
• the amount was different than authorized
• it was processed earlier than authorized
  Proper authorization records help you defend against those disputes.