Automated Clearing House (ACH) Payments


Easy electronic payments

ACH saves your company the time and expense of producing paper checks for trade payables, expense reimbursements, stock dividends, payroll, company bonuses, pensions, annuity, and interest payments. ACH payments can be made same day or future dated.1

You can initiate domestic payments, as well as USD payments to 25 foreign countries2 by using International ACH (IAT) transaction types.1

See NACHA Resource Center for details.



ACH payments allow for paperless electronic payments to individuals, companies, and governments. ACH also gives you the ability to send detailed remittance information to your payees. With ACH, you can also originate debit transactions for use in collections or cash concentration applications. ACH payments can be originated in numerous formats supported by your payroll application, enterprise resource planning (ERP) or accounting software3.

Cost Effective

You know the exact posting date4 and amount, so you can precisely forecast your cash flow. You will also decrease the need for stop payments, check replacement and minimize account reconciliation tasks. For collections, ACH debit origination is lower cost than alternatives.


You can eliminate the onerous workflows related to check storage, printing, folding stuffing and metering mail. ACH makes it easy for your employees and trading partners to receive payments without processing checks. Data-rich remittance detail in consistent formats can move with payments and facilitate automated application and payment processes for many payment use cases, industries and trade scenarios.

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Click here to view our Same Day ACH FAQs.

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Details you need to make a smart decision

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1 International ACH payments are not eligible for same day processing

2 Canada, Mexico, Panama and 22 Eurozone countries

3 Current standard origination formats include, NACHA, ANSI ASC X.12 820, ISO 20022 XML, Flat File

4 International payments may take 1-2 business days