Debits & credits
Pull payments from customers and push payouts to vendors or users.
ACH Payments
Move money bank-to-bank at a fraction of card cost
Accept ACH debits and send credits with same-day and next-day settlement, instant account verification and automated retries.
ACH transferSettled
$18,400.00
Chase ••• 4021 → SettlementFee$0.30 flat
SettlementNext business day
Get Started Today
Set up your account in 60 seconds.
Overview
The low-cost rail for recurring and high-ticket payments
When a customer pays from their bank account instead of a card, you avoid percentage-based interchange. For subscriptions, invoices and large transactions, that difference compounds into meaningful margin.
Bear Merchant makes ACH as easy to accept as cards: verify the account instantly, debit on schedule, handle returns automatically and reconcile everything in one dashboard.
Same-day & next-day settlement
Instant bank account verification
Automated return handling & retries
NACHA-compliant processing
Ideal for subscriptions & B2B
How It Works
How ACH works with Bear Merchant
01
Collect authorization
Capture the customer's bank details and debit authorization.
02
Verify account
Confirm ownership instantly or via micro-deposits.
03
Submit debit
We batch and submit the transaction to the ACH network.
04
Settle & reconcile
Funds settle to your account and post to your dashboard.
ACH vs cards
When the bank rail beats the card rail
ACH is not a card replacement — it is the better rail for large, repeat and invoice-based payments.
| Capability | ACH transfer | Card payment |
|---|---|---|
| Cost on a $2,000 payment | Flat fee, typically under a dollar | Percentage fee — roughly $60 at 3% |
| Best fit | Invoices, rent, tuition, B2B, high-ticket recurring | Impulse and low-ticket consumer checkout |
| Settlement speed | One to three business days, or same-day ACH | Next business day in most cases |
| Involuntary churn | No expiry dates — mandates keep working for years | Cards expire, are reissued and get declined |
| Dispute window | 60 days for consumer accounts, 2 days for business | Up to 120 days under card network rules |
| Reach | US bank accounts only | Global, wherever the networks operate |
Features
ACH built for reliability at scale
Everything you need to run bank debits and credits cleanly.
Account verification
Instant verification via bank login plus micro-deposit fallback.
Same-day ACH
Faster settlement for eligible transactions before network cutoffs.
Smart retries
Automatically re-present failed debits within NACHA rules.
Return reporting
Clear return codes and reconciliation for every transaction.
Tokenized bank data
Account details are tokenized and stored securely.
Benefits
Lower cost, higher retention
Cut processing costs
Flat per-transaction pricing beats card fees on large and recurring payments.
Reduce involuntary churn
Bank debits rarely expire, so fewer failed renewals than cards.
Support high tickets
Move large B2B amounts without percentage-based fees.
Predictable cash flow
Scheduled debits and clear settlement timing simplify treasury.
Results that compound
0
Flat fee per debit
0d
Typical settlement
0%
Lower cost vs cards*
0/7
Dashboard visibility
Who It's For
Who benefits most from ACH
Subscription businesses
Lower-cost renewals with fewer expired-card failures.
B2B & wholesale
High-ticket invoicing without percentage fees.
Education & tuition
Scheduled payment plans paid from bank accounts.
Rent & property
Recurring collections at predictable cost.
Lending & finance
Loan disbursements and repayments via debits and credits.
Payouts & marketplaces
Push funds to sellers, contractors and users.
FAQ
Frequently asked questions
ACH (Automated Clearing House) payments move funds directly between bank accounts in the United States. They are ideal for recurring debits, payouts and high-ticket transactions where card fees would be costly.
ACH typically carries a low flat fee rather than a percentage of volume, making it substantially cheaper for large transactions and recurring billing compared with card interchange.
Standard ACH settles in 1–2 business days. Same-day ACH is available for eligible transactions submitted before network cutoff times.
We support instant account verification via bank login and micro-deposit verification, reducing failed payments from incorrect account details.
Failed or returned debits (for example insufficient funds) are reported with standard return codes. Our retry logic can automatically re-present according to your rules and NACHA guidelines.
Yes. ACH is a popular, low-cost method for subscriptions, memberships, loan repayments and B2B invoicing where customers prefer paying from a bank account.
Add ACH to your payment mix
Reduce fees and involuntary churn by accepting bank transfers alongside cards.