ACH payments

Save money with ACH payment processing

Cut processing costs on your largest transactions without adding friction. Flute makes it simple to accept ACH payments for one-time purchases, recurring billing, and B2B payments, with account verification that keeps failed payments off your books.

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Get a break on credit card fees. ACH transfers move money directly from bank accounts at a fraction of card processing costs, making them a smart fit for high-ticket, recurring, and business payments. Flute handles verification, processing, and reconciliation so you get the highest savings without any complexity.

Lower processing costs

Reduce your processing fees by accepting secure, low-cost payments directly from any U.S. bank account.

Flexible payment options

Accept one-time purchases, recurring billing, and business invoices on one platform.

Automated recurring billing

Automate your billing for memberships, retainers, and subscriptions to keep cash flow consistent.

Reduced payment risk

Access check verification to confirm account validity and protect your business from failed payments.

“Flute has been a wonderful partner, helping our members (and us) save thousands in processing each year.”

Heather Bernier

Associate Executive Director, Independent Funeral Directors of Florida

Pay less to get paid

Credit card processing fees add up fast. ACH transfers move funds directly from bank accounts at far lower rates than card processing. When it comes to high-ticket sales, B2B payments, or recurring charges, the difference between ACH and card payment processing fees is significant. Flute’s ACH solutions help you capture those savings without changing how your customers pay.

Recurring ACH payments

Customers authorize once, and payments process automatically based on your billing schedule.

ACH invoicing

Send an ACH invoice directly to a client and let them pay from their bank account on their own time.

B2B payments

ACH offers the highest savings on large business-to-business transactions, letting you move funds directly between accounts at a low, flat rate.

Online ACH payment processing

Let customers pay directly from their bank account online or via a payment link, all within your existing checkout flow.

Account verification

Flute verifies bank account validity before each ACH transaction, identifying invalid account numbers and risks of insufficient funds upfront. Fewer failed payments mean more predictable cash flow.

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ACH in your dashboard

The Flute dashboard tracks ACH payments alongside all your other transactions. One view covers everything, and you don’t have to log into a separate system to reconcile your books.

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Simple, transparent pricing

Low rates, predictable costs

Flute’s ACH processing fees are significantly lower than standard credit card rates. The savings are most noticeable on high-ticket transactions and recurring billing, where card fees add up over time.

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FAQs

What is ACH payment processing?

ACH payment processing moves funds electronically between bank accounts through the Automated Clearing House (ACH) network. It’s how direct deposits, bill pay, and bank transfer payments work. For businesses, it’s a lower-cost alternative to credit card processing for invoices, subscriptions, and large transactions.

Can I accept online ACH payments?

Yes. Flute supports online ACH payment processing, so customers can pay from their bank account through a payment link or your website. It works alongside your card payment options without requiring a separate integration or additional hardware.

How long do ACH payments take?

How long ACH payments take to process depends on the transaction type and timing. Standard ACH transfers typically settle in one to three business days. Flute’s dashboard shows you the status of each transaction, so you always know where a payment stands.

Does Flute support recurring ACH?

Yes. Flute supports recurring ACH payments for membership, retainers, and subscriptions. Once a customer authorizes a payment method, billing runs automatically on the schedule you set. You can also use ACH invoicing to send one-time invoices, so clients can pay on their own time.

Are ACH payments cheaper than cards?

Yes. ACH payment processing fees are typically much lower than credit card interchange rates. For high-ticket transactions or high-volume recurring billing, the savings per transaction add up quickly. Flute’s pricing is transparent, so you can see exactly what you’re saving.

Fewer fees, same reliable payments

The savings add up when you accept ACH payments alongside your existing payment options. With Flute, lower processing costs, automated recurring billing, and account verification all come standard. It’s time to keep more of what you earn.