Shift customers from card to ACH and save 70-85% on per-transaction processing costs.
Automated bank verification, one-click portal enrollment, ACH-first pricing incentives, and recurring ACH scheduling — making bank payments the path of least resistance for your B2B customers.
The Problem This Solves
Before PaymentHub
Customers pay by card or check when ACH would save significantly on processing fees. Adopting ACH requires bank verification, customer enrollment, and workflow changes that most finance teams avoid because the operational overhead seems to outweigh the savings. Check payments create manual deposit and reconciliation work, while card payments incur 2.5-3.0% processing fees on B2B transaction sizes where $50-$300 per transaction in fees is common.
With PaymentHub
ACH becomes the default payment method for B2B customers. Bank verification is automated, enrollment is one-click from the portal, and pricing incentives make ACH the obvious choice. Recurring ACH scheduling reduces collections effort. Per-transaction processing costs drop from 2.5-3.0% (card) to flat $0.25-$1.50 (ACH). Organizations shifting 40% of card volume to ACH typically save $200,000+ annually.
How It Works
Instant and Micro-Deposit Bank Verification
Two verification methods ensure secure ACH enrollment. Instant verification uses secure bank login for immediate account validation — the customer authenticates with their bank through a secure portal widget, and the account is verified in seconds. Micro-deposit verification (for customers who prefer not to use instant verification or whose banks don't support it) sends two small deposits that the customer confirms within 1-3 business days. Both methods verify account ownership and routing information before any ACH transactions are initiated, protecting against fraud and unauthorized debits.
ACH-First Pricing Incentives
Configurable pricing incentives make ACH the economically obvious choice for B2B customers. Incentive configurations include: percentage discount for ACH payments (e.g., 1% early-pay discount for ACH), surcharge on card payments that makes ACH free by comparison, and prominently displayed per-transaction cost comparison showing the customer their savings when choosing ACH. Incentive rules are configurable by customer segment, entity, and payment amount — allowing targeted incentive strategies for high-value accounts where the card-to-ACH shift produces the greatest fee savings.
Recurring ACH Scheduling
Customers and AR teams can configure recurring ACH payments on flexible schedules: weekly, bi-weekly, monthly, on specific dates, or triggered by invoice due dates. Recurring ACH reduces the collections workload to near zero for participating accounts while providing predictable cash flow for the organization. Upcoming payment notifications give customers visibility into scheduled debits, and modification or cancellation options are available through the portal. Failed recurring transactions (insufficient funds, closed accounts) trigger automated retry logic with configurable retry cadence and notification rules.
ACH Return Handling and ERP Reversal
ACH returns (NSF, unauthorized, closed account) are handled automatically. When a return notification is received from the ACH network, PaymentHub reverses the original posting entries in the ERP, reinstates the open invoice, and notifies both the AR team and the customer. The return is logged with the return reason code, and configurable business rules determine next steps: retry, revert to card payment, suspend autopay enrollment, or escalate to collections. Return patterns are tracked per customer to identify chronic return risks before they become a larger problem.
Architecture & Integration Notes
ACH processing operates through PaymentHub's gateway orchestration layer, routing ACH transactions to the configured bank or ACH processor per entity. Bank verification widgets are embedded in the customer portal and virtual terminal using the same composable component architecture. Recurring ACH scheduling uses a queue-based execution engine that processes scheduled payments on the configured cadence, checks for holds or cancellations, and submits transactions through the standard payment pipeline. ACH-first incentive pricing is evaluated by the fee policy engine before payment submission, ensuring incentives are displayed accurately and applied consistently. Return handling operates as an event listener on NACHA return notifications, triggering the reversal and notification workflow automatically.
AI Copilot for ACH Enablement
The AI copilot analyzes your customer payment patterns to identify the highest-value ACH adoption targets — customers currently paying by card with high average transaction values where the card-to-ACH shift produces the greatest savings. It generates customer communication templates for ACH enrollment campaigns, suggests incentive configurations based on your customer mix and fee structure, and projects adoption rates and savings for different incentive scenarios. During production, the copilot monitors ACH adoption rates, identifies accounts that have enrolled but not yet made their first ACH payment, and recommends targeted follow-up actions.
AI Copilot — Available on Growth & Enterprise Plans
AI Copilot reduces implementation time for ach enablement by automatically generating field mappings, test datasets, and validation scripts based on your ERP schema — so your team can ship faster without writing repetitive configuration code.
Ready to see ACH Enablement in action?
Book a Payments Blueprint call and get a live walkthrough tailored to your ERP and payment requirements.
Before & After PaymentHub
| Area | Before | After PaymentHub |
|---|---|---|
| Area 1 | 2.5-3.0% card processing fee ($50-$300 on typical B2B amounts) | $0.25-$1.50 flat ACH fee — 70-85% cost reduction |
| Area 2 | Manual bank detail collection via paper forms or phone | One-click portal enrollment with instant bank verification |
| Area 3 | No automated recurring — customers pay manually each invoice | Scheduled recurring ACH with flexible rules and portal management |
| Area 4 | Full card processing fees on all B2B transactions | $200,000+ annual savings from card-to-ACH migration |
Related Features
AR Customer Portal
Give your customers a branded payment portal with real-time invoice balances, multi-method payment acceptance, autopay enrollment, and payment history — every transaction posts automatically to your general ledger with invoice-level matching.
Level 2/3 Data Optimization
PaymentHub automatically extracts tax amounts, customer codes, and line-item detail from ERP invoices and submits them with every B2B card transaction — qualifying for the lowest interchange rates without manual data entry.
Gateway Routing Engine
PaymentHub's gateway orchestration routes payments to any processor based on configurable business rules, supports automatic failover, and lets you add or swap gateways without disrupting ERP posting workflows.
Frequently Asked Questions — ACH Enablement
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