ACH: The easy,
automated way to pay.

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Often called direct pay or electronic checks, Automated Clearing House (ACH) transactions are used in all kinds of situations — from employers direct depositing wages to consumers electronically paying utilities.

A fast and reliable alternative to paper checks and credit card payments, ACH allows your customers to set it and forget it — no more worrying about sending funds on time. The convenient payment method also streamlines and automates your accounting, resulting in savings that can be significant.

What is ACH?

Electronic ACH payments go through the Automated Clearing House Network. Money is moved from one institution account to another with the help of a centralized system that directs funds to their final destination. These electronic payments provide benefits to both merchants and customers.

Automated Clearing House

Why everyone likes ACH

Low Cost

ACH is the most cost-effective method for the electronic transfer of funds. Automation increases cash flow and can lead to big savings — especially when collecting recurring payments.

Faster Payments

ACH eliminates paper invoices, paper checks, delays due to bounced checks and time-consuming trips to the bank.

Reduced Retention

Checking accounts don’t have credit and debit cards that expire, so merchants see less chum and fewer declines.

Fewer Interruptions

With recurring billing, busy customers don’t have to constantly keep an eye out for incoming bills or take action when payments are due — everything runs on autopilot.

How it works

How it works
Customer is billed

How it works
Customer initiates payment by providing authorization and necessary financial institution information to the merchant

How it works
ODFI (Originating Depository Financial Institution) debits the customer’s account and sends the ACH file to the Federal Reserve System

The Federal Reserve routes the ACH file to the receiving bank or depository financial institution (RDFI)

RDFI Process Payment
RDFI processes payment

How it works
Payment clears and the merchant has access to the funds

ACH vs. Credit Card

Unlike credit card payments, ACH is a U.S.-payments network only and applies solely to banking. ACH payments cannot be processed from debit or credit cards.
There are two main categories:

Direct Deposits

Direct Deposits

Includes all deposit payments — payroll, employee expense reimbursement, interest payments, utility bills, government benefits, taxes and other refunds.

Direct Payments

Direct Payments

Covers the use of funds for making payments, either by individuals or organizations.



Super Suite

ACH is a payment functionality offered by Heartland and included in:


Online Payments
Service Professionals
Bill Pay
School Solutions

Solo or suite