Online Checks & ACH Payment Processing
Electronic payment processing for checking account transactions
Start Accepting ACH Payments
ACH payments, also known as online checks, are a type of electronic transaction that enables you, the merchant, to receive electronic payments via a web interface or the MobiusPay Gateway. This service broadens your ability to serve customer payment preferences, strengthens your business bottom line, and offers an alternative to credit card payments for customers preferring checking account drafts.
Web interface and gateway integration for easy processing
Support for one-time and recurring payment models
2-3 day settlement timeline per NACHA regulations
Real-time fund verification with Check 21
Reduced banking trips for retail merchants
Lower processing costs compared to credit cards
Key Features
Everything you need to succeed
Single ACH Transactions
One-time payments for goods or services, perfect for individual purchases or invoice payments directly from customer checking accounts.
Recurring ACH Transactions
Automated payments on preset schedules (weekly, monthly, quarterly) for subscriptions and memberships with automatic billing.
Check Guarantee
Covers the full purchase amount if the checking account has insufficient funds, protecting your revenue from NSF issues.
Check 21 Services
Real-time fund availability verification, reducing reliance on guarantees and minimizing risk of insufficient funds.
Retail Check Readers
Check readers attach to retail terminals for scanning checks, offering time and cost savings through real-time fund verification.
Alternative Payment Methods
Combine ACH with digital currencies and e-wallet solutions for comprehensive global market access.
Why Choose MobiusPay
Benefits that drive your business forward
Broader Payment Acceptance
Serve customers who prefer paying directly from their checking accounts rather than using credit cards, expanding your potential customer base.
Subscription Business Support
Perfect for recurring billing models with automated payment schedules that reduce manual collection efforts and improve cash flow.
Reduced Transaction Costs
ACH transactions typically have lower processing fees than credit card payments, improving your bottom line on high-volume transactions.
Fund Security
Check guarantee services and real-time verification protect against insufficient funds, ensuring you receive payment for goods and services delivered.
Frequently Asked Questions
How long does it take for ACH funds to settle?
Due to federal regulations and operating rules set forth by the National Automated Clearing House Association (NACHA), funds become available approximately 2-3 days from the date of settlement.
What's the difference between single and recurring ACH?
Single ACH transactions are one-time payments for individual purchases or invoices. Recurring ACH transactions are automated payments on preset schedules (weekly, monthly, quarterly) ideal for subscriptions and memberships.
How does Check Guarantee work?
Check Guarantee covers the full purchase amount if a customer's checking account has insufficient funds, protecting your business from NSF (non-sufficient funds) losses.
Can I use check readers in my retail location?
Yes. Check readers can be attached to retail terminals for scanning checks, offering time and cost savings through real-time fund verification and reducing trips to the bank.
Is ACH processing secure?
Yes. ACH processing follows strict NACHA regulations and security standards. All transactions are encrypted and processed through secure banking networks.
Ready to Get Started?
Join thousands of businesses that trust MobiusPay for their payment processing needs.