ACH payments allow customers to pay online using a bank account. Payments happen through the ACH network, an electronic network for financial transactions in the United States. The primary benefit of ACH payments is the low transaction fee, particularly on larger transactions.

The tradeoff with ACH payments is that payments do not happen instantly like with credit card payments. ACH payments take 3-7 business days to clear through the ACH network.


Once you are established with a payment processor, setting up ACH payments is easy! Follow these steps to start accepting ACH payments in minutes.

  1. From the Invoiced dashboard go to SettingsPayments.
  2. Click Setup on the ACH payment method.
  3. Complete the application process for a new Invoiced Payments account. You will need to know key business information like beneficiaries and company ownership in order to complete the application. This information is required for KYC / AML compliance.
  4. Next you will be prompted to add a settlement account where customer payments will be deposited.
  5. Once you have completed the setup process your customers can now pay you with their bank account via ACH!

If you process more than $10,000 in payments per week there will be a 7-day hold on funds before they are paid out. As you build payment history this limit can be increased by contacting Invoiced Support. If you know in advance that you will be processing more than $10,000/week in payments then you can contact Invoiced Support to proactively raise the limit. Generally statements from your previous payment processor are required to proactively raise the limit.

Client Workflow

Customers can select the ACH payment method from payment forms. Most payment gateways will require the customer's bank account and routing number. This can be found on the bottom of a check. Some payment gateways might require customers to verify their bank account once before they can make payments to you.

Pay Invoice with ACH
Pay Invoice with ACH

Virtual Terminal

Like customers, internal Invoiced users have the ability to apply a payment to an account with an ACH payment method on an invoice. Whether a customer has saved an ACH payment method on file or has provided the user with the information, easily access the virtual terminal for payments by navigating to the invoice and selecting receive payment -> charge. From there, you can select the saved ACH payment method or enter a new ACH method.


ACH payments work with AutoPay when your customer has a saved bank account on file.