eCheck · ACH · Card — side by side
Compare our Payment
Processing Solutions
Discover how Sterling Ridge can streamline your business operations, saving you valuable time, effort, and money. Unsure which service best fits your needs? Take our quick quiz and we'll recommend the right solution for you.
Our productsThree products,
Three products,
built to work together
Sterling Check
Debit bank accounts via eCheck
Verify and accept electronic checks online with same-day funding, no transaction limits, and maximum chargeback protection.
Sterling ACH
Send and Accept Verified Bank Payments
Plaid-verified Pay by Bank debits, same-day ACH, and real-time payouts — the modern rail for bank-to-bank money movement.
Sterling Merchant
Accept Card Payments as well as Apple & Google Pay
Credit and debit card processing with high authorization rates, digital wallets, and same-day setup for most merchants.
Feature comparisonEvery feature,
Every feature,
rail by rail
A dash means the feature doesn't apply to that rail — not that something's missing.
Swipe horizontally to compare →
| Feature | eCheckSterling Check | ACHSterling ACH | CardSterling Merchant |
|---|---|---|---|
| Real-time account verification | |||
| Same-day funding | — | — | |
| No transaction limits | — | — | |
| Maximum chargeback protection | — | — | |
| Same-day setup | — | ||
| Send payments | — | — | |
| Routing & account number | — | ||
| Online bank login | — | — | |
| Credit or debit card | — | — | |
| MOTO (mail & phone orders) | — | ||
| Payment links | |||
| Bulk upload | — | ||
| Recurring payments | |||
| API & cart integrations | |||
| US business account required | — | ||
| High-risk compatible | |||
| No minimum volume | — | ||
| No processing history required | — | ||
| No credit check required | — |
No Long Term Contracts, No Set Up Fees, and No Cancellation Fees.
TestimonialsMerchants who compared
Merchants who compared
and chose Sterling Ridge
“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
Ready to get started?
Begin accepting and sending payments today.
No long term contracts, no set up fees, and no cancellation fees.
Sign Up NowNo long-term contracts · No setup fees · No cancellation fees