ACH Payments

Utilize cutting-edge, user-friendly solutions that take advantage of the ACH network to save oninterchange costs.

Today it’s nearly impossible to do business without the ability to process payments through the Automated Clearing House (ACH) Network. It benefits both companies and customers by quickly and safely processing billions of payments every year.

If you don’t provide ACH payment processing, you will likely lose business. But with the wrong payment processing provider, you may risk higher costs and fees – and these days every dollar counts.

ACH the PayFiniti Way

ACH by PayFiniti Processing makes it easier to accept electronic check payments, decrease paper check processing costs, and increase sales. It also generates real-time reporting data that makes it easier to track receivables, manage resources and boost cash flow. These reports are encrypted to protect both your company’s security and your customers’ private information.

Every day is a busy one in business – the less time you can spend on payment processing, the better. That’s why we’ve made our solution not just safe, but fast and convenient as well. It simplifies the payment process by electronically debiting your customers’ bank accounts, which is less costly than traditional check service technologies.

Why PayFiniti for ACH Payments?

Convenience is important but so is cost. Your fees will be lower with PayFiniti Processing than they would with a typical ACH processor. Other benefits include:

  • The ability to accept payments from any computer with Internet access

  • Fast authorizations

  • No more trips to the bank or having to remember account and routing numbers. Funds are automatically deposited into your account

  • Direct transfer of payments to customers

  • Detailed ACH reports and excellent customer service

Major Savings Over Interchange

PayFiniti Processing helps retailers maintain cash flow by charging fees that are up to 75% less than interchange, allowing them to put their money toward productive endeavors rather than interchange costs.

Frictionless Experience

Customers can access PayFiniti Processing by either providing their account and routing numbers or their online banking login credentials. You can reach all customers thanks to this flexibility, regardless of how they like to pay.

Minimize Risk & Maximize Cash Flow

There’s a 100% guarantee on authorizations using PayFiniti Processing. Next banking day funding for merchants eliminates the need for expensive collections.

Tokenization for Data Security

PayFiniti Processing eliminates the need for you to store confidential consumer account numbers, substituting a digital token for extra security.

Buy Now, Pay Later Solutions

Designed for Merchants

Retain & Reinvest Profits

The PayFiniti Processing installments solution uses the ACH network to lower interchange fees, enabling you to put the money you save back into marketing and loyalty initiatives for new customers.

Improve Sales

PayFiniti Processing gives retailers the ability to attract more customers, raise the average order value, and boost conversion rates. Installments give your customers a responsible way to increase their spending power without using conventional borrowing.

Reduce Risk

Because PayFiniti Processing complies with FCRA, your brand's reputation is protected. All payments made to your company are made upfront and in full while we take on the risk.

Focus Fuels Sales

There are no shopping directories or advertisements for rival brands with our service. As a logical expansion of your current checkout and as an optional white-label branding option, we provide a straightforward installments solution.

How Buy Now, Pay Later Works

1.

The Buy Now, Pay Later option seamlessly integrates into the online checkout process.

2.

Consumer selects Installments as their preferred payment type and agrees to the desired payment plan.

3.

Receive up-front payment for the entire purchase amount. This requires no changes to the existing systems or finance processes.

4.

Consumer makes the first of the initial payments at the time of purchase and pays the rest over the agreed term.

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