ACH/EFT

ACH/EFT lets customers authorize a debit from their bank account at checkout. Customers enter (or link) their bank details once and approve the debit; funds settle to you after clearing through the banking network.

The benefits of accepting ACH/EFT include:

• Lower costs on large tickets – Typically lower fees than cards, ideal for high-value purchases or invoices.
• Great for recurring – Suited to subscriptions, memberships, and scheduled billing.
• Fewer card issues – No card expiries or reissues; reduces payment churn.
• Secure, compliant capture – Collects required authorization/consent and bank details with best-practice handling.
• Predictable clearing – Standard clearing in 1–3 banking days (ACH) with defined return windows.

Our guide article provide steps for utilising ACH/EFT with our REST API.