ACH Payments Online: Seamless, Secure Online ACH Payment Processing

At Seamless Chex, we make sending and receiving ACH payments affordable, safe, and hassle-free for your business.

Sign up for ACH processing today and get fast approvall for your account.

Struggling to find a payment processor that works for you and has the features you need? We offer industry-leading payment support for high-risk, hard-to-place, and restricted business types.

Seamless, Secure ACH Payment Processing

Our Integrations

and many more...

Why Choose us for ACH Payment Processing and Transactions?

Our merchant resources and strong bank relationships allow us to facilitate ACH processing for small businesses, independent contractors, and large firms. Thanks to our same-day approval and setup, we can help you process ACH transactions and get your business paid faster, easier, and more efficiently than ever before.

Virtual Terminal


Real-Time Verification


Bulk Upload via CSV or Excel

Bulk Upload via
CSV or Excel

Recurring Billing


Store Payment Methods

Store Payment

Email Invoicing


Shopping Cart Integrations

Shopping Cart

Same Day & Next Day Funding

Same Day and
Next Day Funding

High Risk Solutions

High Risk

ACH Payment Processing Has Never Been Easier for Businesses

Start sending and receiving ACH payments today with fast approval and easy account sign-up.

ACH Payment Processing Pricing

+ 0.75%* per transaction
Sign Up

Our ACH pricing for payment processing is simple and affordable for small businesses and large firms alike.

You won’t find a better rate or a more usable ACH payment processing platform out there for your transactions.

Let us help you save time and money when collecting customer invoices. Sign up for ACH payment services now to start sending and receiving payments!

*High risk businesses may be priced higher, low risk businesses may be priced lower

Industries Served with ACH Payments



Utilities & Local Governments

Utilities & Local Governments



Ready to get started with ACH payments?

Begin accepting and sending customer payments today.

Discover The Payment Processing Solution That's Right For You

Debit bank accounts via eCheck and ACH
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Accept Verified ACH payments and send payouts
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Merchant Service
Accept Debit and Credit Card payments
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Revolutionize payment processing forever -

Start accepting and sending customer payments today.

FAQ About ACH Payments

How does online ACH payment transfer work with Seamless Chex?

An Automated Clearing House (ACH) transfer is a process for transferring funds online. With an Automated Clearing House transfer, there is no need for paper checks, echecks, physical money, or wire transfers. You can seamlessly transfer money from one bank account to another through the ACH network for personal or business money transfers or payments.

Seamless Chex services use third-party integrations facilitated by Plaid, a reputable ACH provider. Plaid allows users to enter their bank login credentials personally, which keeps their financial information secure and prevents the exposure of bank and routing numbers.

In ACH credit transactions, banks will send funds upon completion of the request by the payer. During ACH debit transactions, funds are sent upon completion of the request by the recipient.

What do I need to set up ACH payments with Seamless Chex?

All you need to set up ACH transfers with Seamless Chex is your bank’s accounting and routing number. With this information, you can easily set up your account and accept ACH payments from customers.

How do I make an ACH payment online?

To make an ACH payment online, log into your ACH provider, select the vendor you want to pay, and input the payment amount you want to send. It’s that simple to make online ACH payments! The simplicity and flexibility of ACH payments can help increase business sales and grow your customer base.

Who accepts ACH payments online?

Many major companies, including QVC, Walmart, and Amazon, among smaller vendors, accept ACH payments online to make payments easy for their customers.

What is required for ACH Payments?

To receive an ACH payment, all you need to do is provide your bank’s accounting and routing number corresponding to the checking or debit card where you’d like to receive the money deposit. In some cases, you may need to sign an ACH authorization form to accept the money transfer. 

Can individuals send ACH payments?

Yes - individuals can send or receive ACH payments for business transactions or personal needs. ACH payments can be sent anytime and anywhere.

Can I do an ACH transfer to someone else's bank account?

Yes - the easiest way is to use an ACH payment service like Seamless Chex, which uses Plaid to encrypt and protect personal account information. Using a credible ACH payments provider will help ensure that your payments and transactions are secure.

Do all banks allow ACH transfers for payments?

Yes. In fact, all banks in the United States are equipped to use ACH since they only need to receive valid account and routing numbers to process ACH transfers. 

What app is instant ACH transfer?

There is no such thing as a truly instant ACH transfer. Typically ACH transfer times are 3-5 days, although platforms like Seamless Chex may be able to process payments faster. You can talk to your ACH payments providers for more specifics about online payment transfer times.