Didyou know

The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented electronic fund transfer system governed by the National Automated Clearing House Association (NACHA) Operating Rules.

The NACHA Operating Rules provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators –– central clearing facilities through which financial institutions transmit or receive ACH entries.

 

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ACH Processing:
Price Comparison

Looking for more information call 1 888-227-0402 to schedule a free 30 minute consultation on ACH payment options.

Achieve more with reliable ACH technology. The Fraud Practice provides innovative products and solutions that enable people and businesses to seamlessly automate payments, collection, and/or any ACH related transaction. It offers the flexibility to match any business need to an ACH solution; whether you already have developed your own system or not. It provides various integration and interface systems for any development platform.

     

    The following table provides the costs of ACH processing with The Fraud Practice and four other ACH payment providers. As with credit card processing, merchants must consider all of the costs involved, not just the per transaction fee.

    After figuring the total costs of payment processing merchants can calculate how much they would be paying based off their monthly number of transactions processed and the average order amount. An example Return on Investment calculation is given below.

     

ACH Processing Price Comparison

 
The Fraud Practice


PayPal PayFlow Pro


PayPal Web Payment Standard

Authorize.net Web-based
First ACH Corporate
One-Time Set-Up Fee
$ 299.00
$ 249.00
None
$ 149.00
$ 89.99
Annual Fee
None
None
None
None
None
Gateway Fee
$ 45.00
$ 59.95
None
$29.95
$ 89.99
ACH/E-Check Fee
$ 0.30
2.90% + $0.30 
2.90% + $0.30
0.75% + $0.35
$ 0.20
Monthly Minimum
None
None
None
$10.00
None
Example ROI  
$ 1,139.00
 
$ 3,443.40
 
$  2,475.00
 
$ 1,420.90
 
$ 1,279.88
1000 transaction per year
Average price $75.00

 

 

 

AdditionalResources

  • The Fraud practice llc.

    Offering a neutral, unbiased, source for information related to setting up and maintaining solutions for online payments and fraud prevention.

  • Introduction to ACH Payments.

    Covers the ACH process flow defining each of the "payment players"; reviews payment concepts such as clearing times, reversals, NSF, push and pull options, good funds and bad debt risk.

  • Guide to Alternative ecommerce payments.

    If you are in the market for new alternate payment options you should consider purchasing our Guide to Alternate Payment Options.   The Guide goes beyond a general market assessment to provide information businesses need to assess solution options and service providers. 

  • Fundamentals for Selecting ecommerce payment options

    The Fundamentals of eCommerce Payment Options online training course provides an introduction to the world of eCommerce payments. The course provides an overview of the main eCommerce payment options that exist today, why businesses use alternative payments, how eCommerce payment options are grouped, as well as providing examples, mind share, market share, and the major players.