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Enable ACH Payments on Shopify Easily

December 22, 20235 minute read
shopify ach payments

Integrating ACH payments into your Shopify store can provide a range of benefits, including improved payment efficiency and security. The Automated Clearing House (ACH) is a reliable electronic network for processing payments, which can save businesses from high transaction fees associated with other payment methods. By setting up ACH payment processing on Shopify, you can offer customers a cost-effective and straightforward payment option, suitable for everything from direct deposits to recurring billing. Moreover, integrating ACH payments can position your store as a customer-centric business that provides flexible and accessible payment solutions. With Shopify’s infrastructure, adding ACH payment methods can be a relatively simple process that arms your business with transaction readiness for a diverse range of financial interactions.

Understanding Shopify ACH Payment Processing

As a vital player in the U.S. electronic payment processing system, the ACH network allows businesses and consumers to leverage secure, swift, and cost-efficient payments. Managed by the National Automated Clearing House Association (NACHA), ACH connects over 11,000 financial institutions and offers numerous advantages to companies using Shopify. Let’s delve into the workings and key aspects of ACH payment processing in the world of Shopify.

What is the Automated Clearing House (ACH)?

The Automated Clearing House (ACH) is an electronic network through which businesses and consumers can process various types of financial transactions. These can include payroll direct deposits, billing payments, and inter-bank funds transfers. ACH payment processing offers notable benefits like enhanced security, faster transactions, and cost-efficiency as compared to traditional methods such as checks.

Benefits and Limitations of ACH Payments

Shopify ACH payments are advantageous for both businesses and consumers as they provide security, speed, and convenience. While businesses can save on transaction costs, consumers enjoy faster processing as the transactions undergo batch processing. However, you should also be aware of some limitations such as stricter processing times, international transfer restrictions, and transaction limits imposed by banks or financial regulations.

ACH Payment Fees and Processing Times

One of the reasons businesses prefer ACH payments is their cost-effectiveness. In most cases, ACH transactions have lower fees compared to other payment methods, such as flat fees or a percentage of the transaction amount. As for processing times, ACH transfers usually take a few business days to settle, making them faster than traditional methods like checks.

Direct Deposits vs. Direct Payments: A Business Perspective

From a business standpoint, it’s essential to understand the distinctions between direct deposits and direct payments. Direct deposits are typically used for transactions like payroll and tax refunds, while direct payments mainly cater to purchases and recurring bill payments. Offering a variety of ACH payment solutions for Shopify enables businesses to cater to diverse customer needs, enhancing the shopping experience and customer satisfaction.

ACH Credits and Debits: Keeping Track of Transactions

Finally, to manage your financial transactions effectively, you should understand the difference between ACH credits and ACH debits. ACH credits involve sending funds, while ACH debits involve receiving funds. By integrating the appropriate Shopify app for ACH payments, you can streamline transactions while accurately keeping track of your income and expense records.

Shopify ACH Payments: Enabling and Streamlining Your Payment System

To enable ACH payments on your Shopify store, it’s important to work with payment gateways and third-party processors that support this payment method. Despite Shopify’s tendency to favor credit card transactions due to their income from processing fees, there are methods like manual payment setup and external ACH payment links that allow integration of ACH payments. Stripe, for instance, offers a way to add ACH payments to Shopify by using services like Payment Plugins for Stripe WooCommerce, which facilitates smooth transactions with secure customer bank logins.

By navigating to your Shopify settings and adjusting the payment providers’ options, you can establish a manual payment method that directs customers to an ACH payment gateway. This ensures that large transactions, B2B orders, and recurring payments can be processed effectively, with enhanced security and reduced fees inherent to ACH payments. Thus, by following the correct procedures and employing compatible solutions, you can streamline your Shopify payment system to include ACH payments, catering to a broader customer base.

Integrating ACH payments can position your store as a customer-centric business that provides flexible and accessible payment solutions.

Below is a table listing some popular payment gateways and third-party processors that support ACH payments, along with the fees associated with ACH transactions for each service:

Payment Gateway/Processor ACH Transaction Fees
Stripe 0.8% per transaction (capped at $5)
Square 1% per transaction
Authorize.Net 0.75% per transaction
Braintree 0.75% per transaction
PayPal $0.50 per transaction

In conclusion, incorporating Shopify ACH payment processing into your e-commerce store opens up more options for your customers, helping you accept ACH payments on Shopify and maintain a competitive edge in the market. With the right tools and strategies, your business can benefit from the convenience and cost-effectiveness of ACH payment integration with Shopify.


As ACH payments continue to rise in popularity due to their efficiency and cost-effectiveness, integrating these solutions into your Shopify store can be a savvy business decision. With appropriate set up through platforms like Stripe or manual payment methods, you can provide a more seamless checkout experience that allows you to offer low-fee, secure transactions.

Accepting ACH payments on Shopify ensures your business stays up-to-date with modern payment practices, potentially reducing overhead costs related to transaction fees and speeding up your capital flow. By embracing ACH payments, you are better positioned to meet customer expectations for convenience and simplicity, thus giving your Shopify business a competitive advantage in the e-commerce arena.

By incorporating ACH payment integration Shopify, leveraging Shopify apps for ACH payments, and working with Shopify ACH payment gateways, you can efficiently provide customers with a convenient and secure payment method. As a result, your business can deliver a first-rate shopping experience while also maintaining a competitive edge in the ever-evolving world of e-commerce.

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