B2B ACH Questions

What this category covers

This category covers pricing, settlement timing, return risk, authorization requirements, and how to move customers onto it without losing them. The answers are written to give you the structure of the decision - what has to be true, who decides it, and what to get in writing - rather than a single number that stops being accurate the moment your volume or card mix changes.

Where an answer depends on your own account, it says so and points at the statement line that would tell you. A page cannot know your effective rate, and any page that claims to is guessing.

Why it matters operationally

On a large invoice a flat fee against a percentage is not a marginal saving, it is a different order of magnitude.

The cost of getting this wrong is rarely dramatic. It is a few basis points on every transaction, every month, which is exactly why it goes unexamined for years.

Where operators go wrong

• Debiting without a retrievable authorization, then losing an unauthorized-return dispute.
• Offering ACH as an option rather than making it the default on new trade accounts.

1 question in this category

• Is ACH cheaper than a credit card for B2B invoices?

  On large invoices, almost always. ACH is priced as a flat fee per transaction and a card as a percentage of the invoice, so the gap widens with every dollar. The fee on a $50,000 ACH payment is identical to the fee on a $500 one, while the card cost scales throughout. On small invoices the two can be comparable, and the crossover point depends on your specific pricing.

  Updated September 30, 2026

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What to read next

The card versus ACH decision guide shows where the crossover sits for invoices of different sizes.