ACH & Bank Transfer Payments for B2B Merchants
Stop overpaying on every transaction. TrustPay's ACH solution gives US merchants a lower-cost alternative to cards — ~0.5–1% vs 2–3% — with next-day settlement, full automation, and unified reporting alongside your existing card and crypto stack.
Serving Orange County law firms, medical offices, automotive dealers, and B2B companies across Southern California.
Turn a $20,000 invoice into a payment — without paying card-sized fees.
Why Should Merchants Add ACH Bank Transfers to Their Payment Stack?
ACH bank transfers cost ~0.5–1% vs 2–3% for credit cards — a 60–80% reduction per transaction. For B2B invoices, medical billing, or rent collection, that difference compounds quickly. Bank accounts also never expire like cards, meaning fewer failed recurring payments.
| Method | Typical Rate | Settlement | Chargebacks |
|---|---|---|---|
| Credit Card | 2.5–3.5% | 1–2 days | High risk |
| ACH / Bank Transfer | ~0.5–1% | Next day | Near zero |
| Paper Check | Variable | 3–5 days | Manual |
Next-Day ACH Settlement
Stop waiting days for your money. TrustPay offers next-day ACH funding so your cash flow stays healthy and predictable — no more holding periods eating into your operations.
Full Process Automation
From submission to reconciliation, TrustPay automates the entire ACH workflow. Eliminate manual steps, reduce errors, and free your team to focus on growing the business.
Built-In Compliance & Risk Controls
Underwriting, compliance, and risk controls are handled for you. Configurable limits, automated return handling, and fraud detection keep exposure low from day one.
Unified Reporting Dashboard
View ACH, credit card, and crypto transactions side by side. One consolidated dashboard with detailed settlement reports, return tracking, and merchant performance analytics.
Flexible API Integration
Connect ACH processing to your existing software stack via robust APIs and webhooks. Single-location or multi-location — TrustPay scales with you.
Automated Return Management
Automated verification, return handling, and deposit tracking reduce unauthorized transactions and protect your revenue — all managed from within TrustPay.
Smart Retries Recover Up to 20% of Failed Payments
Bank accounts never expire — unlike credit cards. TrustPay's intelligent retry logic automatically re-attempts NSF (insufficient funds) declines on optimal paydays, silently recovering subscriptions your card processor gives up on.
Combined with our Unified Dashboard, you get one consolidated view of every ACH, card, and crypto transaction — saving your team 55+ hours of manual reconciliation every month.
Which Businesses Benefit Most from ACH Payment Processing?
Any business collecting invoices over $500, running subscriptions, or billing clients on net terms will save significantly. ACH is the default payment rail for B2B in the US — over $77 trillion processed annually.
Medical & Dental Offices
Collect patient balances and recurring payments at lower cost than cards.
Law Firms & Consultants
Invoice clients and collect retainers directly from bank accounts.
Automotive Dealers
Accept large deposits and service payments without high interchange fees.
Contractors & B2B
Get paid on net terms via bank transfer — faster than checks, cheaper than cards.
Property Management
Automate recurring rent and fee collection with ACH pull payments.
E-Commerce & Subscriptions
Offer bank pay at checkout for lower processing costs on recurring orders.
How Does TrustPay ACH Processing Work?
Setup takes 24 hours. Once approved, send payment requests via virtual terminal, invoice link, or payment page. Your customer authorizes once; TrustPay handles everything automatically — submission, retry on failures, and reconciliation alongside cards and crypto in one dashboard.
Get Approved
Quick merchant onboarding with TrustPay. ACH underwriting is handled for you — no lengthy paperwork or separate bank applications.
Send a Payment Request
Use TrustPay's virtual terminal, invoice tool, or payment link to request a bank transfer from your customer. They authorize once; you collect automatically.
Funds Settle Next Day
With next-day ACH, funds move from your customer's bank to yours on the next business day. No waiting, no guessing.
View Everything in One Place
All ACH transactions appear alongside your card and crypto payments in your unified TrustPay dashboard with full reporting and reconciliation.
How Much Would You Save
Adding ACH to Your Stack?
Adjust the sliders to match your business and see your exact monthly and annual savings.