ACH & eCheck Services by Host Merchant Services

Collect payments directly from customer bank accounts – fast, secure, and cost-effective.
Secure payment terminal used for merchant transactions at Host Merchant Services.
Make Pay by Bank Your Competitive Advantage

Make “Pay by Bank” Your Competitive Advantage

Not every customer wants to pay by credit card, and not every business wants to absorb percentage-based card processing costs on large invoices. ACH and eCheck processing, backed by Host Merchant Services give you a modern, digital way to accept bank payments.
It is perfect for invoicing, subscriptions, deposits, tuition, memberships, large-ticket services, and accounts receivable workflows.
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ACH & eCheck Payments Built for Modern Businesses

Secure payment processing services for small businesses and merchants.
Lower Processing Costs
Reduce payment acceptance expenses by moving certain transactions off card rails, especially for large invoices or recurring billing.
Secure payment processing solutions for small businesses by Host Merchant Services.
Simpler (and Faster) Collections
Stop chasing mailed checks and manual deposits. ACH and eCheck modernize the way you get paid, whether you bill weekly, monthly, or per project.
Advanced point-of-sale payment processing for small businesses and retailers.
Ideal for Recurring Revenue
Automate repeat payments for memberships, service contracts, tuition, and installment plans.
Secure payment solutions for small businesses by Host Merchant Services.
Better Cash Flow Visibility
Track payments, returns, and confirmations digitally. This makes reconciliation easier for finance teams.
Business payment processing and merchant solutions for growth.
Give Customers More Ways to Pay
Some customers prefer paying directly from their bank account or avoiding card use. Offering “Pay by Bank” improves completion rates and customer experience.
Secure payment processing solutions for small businesses by Host Merchant Services.
Fewer Chargebacks and Payment Disputes
ACH and eCheck transactions typically result in fewer chargebacks than card payments. With built-in authorization and clear transaction records.

Easily Authorize and Settle the Payments

Authorization

The customer authorizes the payment (online checkout, signed form, or recorded phone authorization).

Data Entry

Routing and account details are submitted through a secure gateway or virtual terminal.

Batch + Processing

Transactions are sent for bank processing through the ACH network.

Settlement

Funds are deposited to your business account after processing/clearing timelines (timing varies by bank, risk settings, and processing method).

Reporting & Reconciliation

You track payments, deposits, returns, and rejects from your reporting dashboard.

Easily Authorize and Settle the Paymentss

Our ACH & eCheck Processing Options

Host Merchant Services supports multiple ACH and eCheck processing platforms. These platforms, backed with our support, allow you to choose the best fit for your software, workflow, and payment environment.
Paya ACH Debit Credit

Paya (ACH Debit & Credit)

Paya is a strong choice for businesses that want a dedicated “pay-by-bank” solution built for everyday collections and high-volume billing. It’s designed to support both consumer and B2B payment flows. It is a practical option for merchants that rely on invoicing, recurring drafts, down payments, and scheduled billing.
Where Paya really stands out is its balance of payment flexibility plus reporting control. Paya gives you the tools to streamline collection, whether you’re collecting payments through a billing team, a hosted/online flow, or through integrations.
  • ACH Debit & Credit Support for Consumer and B2B Payments (PPD/CCD)
  • Recurring Billing for Subscriptions, Memberships, and Installment Plans
  • Checks-by-Phone (TEL) for Billing Teams and Call-in Payments
  • Checks-by-Web (WEB) through Supported Gateways and Integrations
  • Virtual Terminal Processing for Easy Manual Entry and Back-Office Workflows
  • Detailed Reporting Tools to View Transactions, Batches, Statements, and Return Status

Best for: invoicing, B2B receivables, recurring billing, higher-ticket services, integrated payments.

Authorize.net eCheck

Authorize.net eCheck is ideal for merchants who want a familiar, widely adopted gateway experience for accepting bank payments in online checkout and back-office workflows. It’s a particularly good fit if you already rely on a gateway-style setup for card payments and want to add eCheck as a second payment method without disrupting your existing payment flow.
This option works especially well for businesses that need flexible acceptance channels, online, phone, and recurring, while maintaining a consistent operations experience. Authorize.net is commonly selected by merchants seeking a recognized gateway solution with practical tools for transaction management, transaction processing visibility, and a straightforward setup path that supports both standard and customized implementations.
  • Accept eCheck Payments through Online Checkout or Hosted Payment Experiences
  • Use Virtual Terminal to Process eChecks for Phone Orders or Manual Entry
  • Enable Recurring Billing for Subscriptions and Automated Drafts
  • Support Common eCheck Types such as WEB, TEL, PPD, and CCD
  • Integrate via API for Custom Billing Workflows and Software-Led Setups
  • Use Sandbox Testing to Validate eCheck Acceptance before Going Live

Best for: ecommerce + invoicing, recurring billing, gateway-first merchants, omnichannel acceptance.

Authorize.net eCheck
NMI 1

NMI

NMI is a strong fit for merchants who want the flexibility of a gateway environment. It’s especially a good fit when you need a configurable management portal and a smooth workflow for internal teams. It’s often chosen by businesses that want to handle ACH/eCheck within a gateway-style experience rather than through a single-purpose ACH platform alone.
With HMS, NMI is typically supported through a Paya-backed ACH connection. It combines the operational control of a gateway with the proven ACH processing foundation behind it.
  • Support ACH/eCheck Acceptance in a Gateway-Forward Environment
  • Use a Virtual Terminal-Style Interface for Billing Teams and Manual Transactions
  • Enable Scheduled/Recurring Payment Structures Based on Configuration
  • Route Transactions through Supported Processing Connections (Often Paya-Backed)
  • Access Gateway Reporting Tools to Streamline Tracking and Reconciliation

Best for: merchants who want gateway-level control, virtual terminal processing, and portal reporting.

FluidPay

FluidPay is commonly used in modern, multi-channel payment environments where merchants want to add ACH/eCheck into a broader payments workflow, especially when bank payments and card payments need to coexist. It supports business models that rely on a mix of recurring billing, invoicing, and customer-friendly payment experiences, while keeping operations manageable across channels.
Because FluidPay is typically supported by a Paya-powered ACH backend with HMS, it pairs gateway-forward usability with reliable processing.
  • Offer ACH/eCheck as a Bank Payment Method alongside Card Processing
  • Support Recurring Billing and Repeat-Payment Workflows
  • Fit Omnichannel Use Cases (Billing Team + Digital Payment Experiences)
  • Maintain Flexibility for Software-Led or Operationally Driven Payment Models
  • Provide a Structured Workflow for One-Time, Invoice-Based, or Scheduled Payments
  • Support Reporting and Tracking through a Gateway-Style Experience

Best for: omnichannel merchants, recurring billing, software-led workflows, gateway-forward operations.

FluidPay
CheckCommerce TSYS

CheckCommerce (TSYS)

CheckCommerce (TSYS) is a solid option for businesses wanting a bank payment solution with a more structured operational framework. Merchants with specific requirements around transaction organization, payment handling routines, or ACH processing structure often prefer CheckCommerce.
If you want ACH/eCheck processing backed by a reliable platform with clear reporting visibility – at no cost – this is the best option. Depending on the business type and risk controls, CheckCommerce can support different program configurations, making it a practical option for merchants that need an ACH setup aligned with specialized billing models or compliance-driven operations.
  • Accept Bank-Based Payments for One-Time and Repeat Billing Scenarios
  • Support Common ACH Transaction Formats Based on the Merchant’s Configuration
  • Provide Reporting Visibility for Transaction Tracking and Reconciliation
  • Help Support Billing Operations That Prioritize Consistent Processing Routines
  • Enable ACH as a Strong Alternative for High-Ticket or Invoice-Driven Payments

Best for: merchants needing structured reporting, specialized billing workflows, and consistent ACH operations.

Not sure which platform you need? We help match the right provider based on your billing model, payment channels, and operational setup.

Acceptance Methods That Fit Your Workflow

Online Payments (WEB)

Let customers pay through a secure portal, checkout page, or hosted payment link.

Phone Payments (TEL)

Accept bank payments over the phone. It’s ideal for billing teams and service-based businesses.

Single Payments and Recurring Billing (PPD / CCD)

Set up one-time or scheduled ACH debits for consumers or businesses with proper authorization.

Invoicing and Pay-by-Link

Send invoices that allow customers to complete bank payments in minutes.

Software Integrations

Embed ACH/eCheck acceptance inside your ERP, CRM, property management tool, or custom application using gateway/API integrations.

Acceptance Methods That Fit Your Workflow

Features That Help Reduce Risk & Improve Control

Smart Verification Tools
Smart Verification Tools

Add validation layers to reduce returns and improve payment reliability.

Easy Application 1 1
Notifications and Reporting

View transaction activity, returns, and status updates in real time.

Optional Convenience Fee Support
Optional Convenience Fee Support

Depending on your setup and business model, certain programs may allow cost-recovery options where permitted.

Frame 5
Same-Day Settlement Options

Same-day ACH available to the merchants (subject to underwriting and network rules).

Built for Businesses That Bill Bigger and Bill Recurring

Built for Businesses That Bill Bigger and Bill Recurring

ACH and eCheck are especially effective for merchants with high average tickets, recurring invoices, or long-term billing relationships:
  • B2B and Accounts Receivable
  • Medical, Dental, and Healthcare
  • Education and Child Care
  • Legal, Tax, and Accounting
  • Insurance and Professional Services
  • Home Services and Contractors
  • Fitness, Memberships, and Subscriptions
  • Utilities, Municipalities, and Nonprofits
  • Storage Facilities and Property Services

Compliance, Security, and Lower Returns

Accepting bank payments requires the right controls, not just a “pay by bank” button. HMS helps you implement ACH/eCheck workflows that support:
  • Proper authorization practices for online and phone payments.
  • Secure data handling (minimizing sensitive information exposure).
  • Return/late return visibility and reporting.
  • Risk controls (verification options may be available depending on platform and underwriting).
Compliance Security and Lower Returns

Get Started in a Few Simple Steps

Quick Discovery Call
Quick Discovery Call

We review your billing model, transaction size, payment channels, and risk profile.

Provider and Integration Match
Provider & Integration Match

We find you the best solution, whether that's a gateway, hosted form, APl, or invoicing.

Underwriting and Activation
Underwriting & Activation

Once approved, we configure payment acceptance and reporting access.

Go Live with Confidence
Go Live with Confidence

Start accepting ACH and eCheck payments and simplify how customers pay.

Ready to Add ACH eCheck

Ready to Add ACH & eCheck to Your Payments Stack?

Talk to Host Merchant Services about enabling ACH and eCheck payments for your business. Call now or request a quote to get started.

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Frequently Asked Questions

What happens if an ACH payment returns?

Returns may occur due to insufficient funds, incorrect account details, or closed accounts. Verification tools and proper billing processes help reduce return rates.

Can ACH reduce payment processing costs?

Often yes, particularly for large-ticket transactions or recurring billing where card fees accumulate.

What does a customer need to pay by eCheck?

Typically: bank routing number, account number, and authorization to debit the account.

Do customers need to authorize ACH payments?

Yes. Merchants must obtain proper authorization, especially for recurring billing, and comply with ACH network rules.

How long do ACH or eCheck payments take to settle?

Most ACH payments settle within a few business days. Some programs may offer faster options for eligible transactions.

What’s the difference between ACH and an eCheck?

ACH is the bank network used to move funds electronically between accounts. An eCheck is a type of ACH payment that works like a digital paper check, using routing/account details plus authorization.
Frequently Asked Questions ACH eCheck