Unlock verified ACH payments:
direct debits and same-day transfers
Every account is verified through a secure bank login before the money moves — fewer returns, less fraud, and settlement as fast as the same day.
What your customer sees:
bank login, instant verification
Customer selects their bank
Chase
Bank of America
Wells Fargo5,000+ institutions supported
Logs in through Plaid
Credentials go to the bank — never to us
Account verified in seconds
Verified ✓
Balance confirmed
Why
Sterling ACH?
Same-Day ACH
Boost your cash flow with the fastest bank-rail windows available — verified debits settle the same business day instead of dragging on for a week.
Secure transactions with Plaid
Customers authorize payments by logging into their own bank through Plaid. Accounts are verified in real time — before the debit is ever submitted.
Streamlined direct debits
Pull one-time or recurring payments from verified accounts with far fewer returns, NSFs, and disputes than unverified ACH.
User-friendly interface
Create debits, send payment links, issue invoices, and track settlement from one clean dashboard your whole team can use.
Developer-friendly API
REST endpoints, webhooks, and Checkout.JS make verified ACH a weekend integration — with sandbox keys from day one.
24/7 customer services
Email, chat, and phone support around the clock, plus a dedicated account manager who knows your business by name.
Five steps from signup
to verified, settled payments
Sign up in minutes
Open your Sterling ACH account online in minutes — most businesses are approved and collecting the same day.
Choose your feature
Pick the tool that fits the job: Payment Link, Checkout.JS on your site, or Email Invoicing.
Customer authorization via Plaid
Your customer logs into their bank through Plaid, verifying ownership and funds before the payment is authorized.
Manage direct debits
Schedule, edit, and monitor one-time or recurring debits through the API or dashboard — whichever your team prefers.
Boost your business
Lower fees than cards, fewer returns than paper checks, and faster cash flow — reinvest the difference in growth.
Want to get started?
Verified payments, verified results
from merchants like you
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
Get Started
Today
Join thousands of businesses accepting verified ACH payments with Sterling ACH.
Sign Up NowNo long-term contracts · No setup fees · No cancellation fees