Credit cards often steal the spotlight when discussing payment processing, but ACH payments—automated bank transfers—are an undervalued opportunity for cost savings. Businesses that optimize ACH usage can enjoy lower fees, fewer chargebacks, and more predictable transaction costs.

What is ACH?

ACH stands for Automated Clearing House, a secure electronic network for financial transactions. Unlike credit cards, which rely on payment processors and can involve multiple layers of fees, ACH transfers go directly between banks, resulting in lower overall costs.

Why ACH is Cost-Effective

• Lower Transaction Fees: ACH fees are generally a fraction of credit-card rates.
• Fewer Chargebacks: The risk of disputed payments is lower compared to card payments.
• Predictable Costs: ACH costs scale less dramatically with transaction size or volume.

Common Pitfalls Businesses Face

Many companies underutilize ACH due to:

• Lack of knowledge about ACH fee structures
• Limited integration with accounting or billing software
• Failure to negotiate volume-based pricing with their payment provider

How BSG Helps Optimize ACH & Card Payments

Business Solutions Group specializes in helping businesses:

• Shift recurring payments to ACH where appropriate
• Negotiate lower ACH rates based on transaction volume
• Evaluate the mix of ACH vs. credit-card payments for maximum savings

Real-World Example

A mid-sized subscription service company reduced merchant processing costs by 30% after shifting a portion of recurring payments from credit cards to ACH. BSG guided them through every step, ensuring seamless implementation and minimal disruption.

ACH payments represent a powerful yet often overlooked cost-saving tool. By carefully optimizing ACH usage alongside credit-card processing, businesses can cut fees while maintaining efficiency. Request a free savings analysis with BSG today to see how much your business could save.