Modern ACH payments
for modern businesses
Accept Plaid-verified bank payments, send instant payouts, and settle same-day — with lower costs than cards and far fewer failed transactions.
Under 2% per transaction · Same-day settlement · Payouts 24/7/365
Live payment · Pay by Bank
Plays nicely with the tools you already use
WooCommerce
NMI
DebtPay Pro
Fluidpayand many more...
Classic ACH or verified ACH —
you choose per payment
ACH via Routing & Account Number
The classic rail. Customers enter their routing and account number in your virtual terminal, payment link, or checkout — perfect for invoices, phone orders, and B2B billing.
- Works with any US bank account
- Virtual terminal for phone & mail orders
- Bulk uploads for batch collections
Routing number
0210 0002 1
Account number
⋯⋯ 5678
ACH via Plaid
Customers log into their bank in seconds. Accounts and balances are verified in real time before the debit is created — dramatically fewer returns, less fraud, faster funds.
- Instant account & balance verification
- Up to 63% fewer returned payments
- Same-day ACH settlement available
SecureSelect your bank
Chase
Bank of America
Wells FargoSterling ACH vs.
other ACH processors
Most ACH providers only pull money in. Sterling ACH is a complete platform — collections, payouts, and marketplace rails in one account.
Swipe horizontally to compare →
What are you
looking to do?
A modern ACH platform,
down to the last detail
Instant Payouts (RTP)
Push funds to any eligible bank account in seconds — nights, weekends, and holidays included.
Real-Time Verification
Confirm account ownership and balance via Plaid before money moves.
Bulk Upload
Debit or credit thousands of accounts at once from a single CSV file.
Recurring Billing
Schedule weekly, monthly, or custom billing cycles that run themselves.
Store Payment Methods
Securely vault bank accounts for one-click repeat payments.
Email Invoicing
Send an invoice by email and let customers pay online in one click.
APIs & Checkout.JS
Developer-friendly REST APIs and a drop-in JS checkout for any stack.
Same-Day ACH
Settle eligible payments the same business day for faster cash flow.
High-Risk Solutions
Underwriting built for industries other ACH processors turn away.
Lower costs. Faster funds.
Fewer failures.
< 2%
Lower costs
ACH typically costs under 2% — a $10,000 invoice runs $50–150 via ACH versus $250–350 on a credit card.
Same-day
Faster funds
Same-day ACH settlement and instant RTP payouts keep your cash moving, not waiting.
-63%
Fewer failures
Real-time Plaid verification cuts returned payments by up to 63% and reduces fraud before it starts.
Bank payments work
in every vertical
Property managers, insurers, B2B wholesalers, high-ticket brands — anywhere invoices are large and margins matter.
Businesses moving money
the modern way
“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.”
“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.”
“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.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
ACH questions,
answered.
ACH (Automated Clearing House) is the US bank-to-bank network behind direct deposits and bank debits. With Sterling ACH you can pull payments from customer bank accounts, push payouts to vendors or users, and automate recurring billing — all without card networks or their fees.
Getting paid by bank
shouldn't feel outdated.
Open your Sterling ACH account today. Most businesses are approved the same day.
Get StartedNo long-term contracts · No setup fees · No cancellation fees