ACH Payment Processing

Bank-to-bank payment processing for recurring billing, invoices, and business payments.

Allied CardPay helps businesses accept ACH debit payments and send ACH credits through secure bank-to-bank payment workflows for lower-cost transactions, recurring billing, and high-ticket payment needs.

ACH is built for practical business payment flows

  • Collect recurring membership, subscription, and service payments
  • Accept invoice payments without relying only on credit cards
  • Support larger ticket transactions where card costs can be expensive
  • Use ACH credits for payouts, refunds, payroll-style payments, or vendor payments

Move money directly between U.S. bank accounts.

ACH payments are electronic bank-to-bank payments that move through the ACH Network, which reaches U.S. bank and credit union accounts. Businesses can use ACH debits to collect authorized payments and ACH credits to push funds out to customers, vendors, employees, or other payees.

ACH Debits

Collect authorized payments from a customer’s bank account for recurring billing, invoices, memberships, rent, dues, tuition, and other business payment needs.

ACH Credits

Send money to bank accounts for payouts, reimbursements, vendor payments, payroll-style disbursements, refunds, and other outbound payment workflows.

Same Day ACH

For eligible payments, Same Day ACH can help businesses move funds faster than standard ACH timing, depending on cutoff times, risk review, and bank availability.

Need ACH processing for your business?

Talk with Allied CardPay about your payment volume, average ticket, billing model, authorization process, and whether ACH debit, ACH credit, or Same Day ACH fits your workflow.

Independent Payments

Access multiple processing and underwriting relationships to find the right fit for your business.

Technology Flexibility

Connect with gateways, platforms, terminals, and integrated payment tools tailored to your needs.

Merchant Advocacy

We help negotiate pricing, compare providers, and align payments with your growth goals.

Dedicated Support

Work with experienced specialists through approvals, implementation, and ongoing account support.