Guaranteed ACH
funds you can count on.
ACH with return protection. Every account verified, every balance confirmed before the debit — and verified transactions come with a funding guarantee.
Six layers between you
and a bounced payment
Verified accounts via Plaid
Every customer connects their bank through Plaid before the first debit — ownership and account validity are confirmed up front.
Balance confirmation before debit
We check that the funds are actually there before the ACH is submitted, so insufficient-funds returns are caught before they happen.
NSF protection
Transactions that would bounce are held or declined automatically, protecting you from return fees and unhappy reconciliation.
Funding guarantee on verified transactions
When a payment passes verification and balance check, the funds are guaranteed — you can ship, deliver, or release with confidence.
Chargeback-free rail
ACH has no card-network chargeback process. No dispute fees, no ratio monitoring, no losing a month-old sale to a one-click dispute.
Next-day settlement
Verified ACH payments settle to your account the next business day — not the 3–5 days standard ACH makes you wait.
Standard ACH vs
Guaranteed ACH
Swipe horizontally to compare →
| Capability | Standard ACHUnverified debits | Guaranteed ACHVerified & protected |
|---|---|---|
| Account verification | ||
| Balance check before debit | ||
| Return risk | High | Low |
| Funding speed | 3–5 days | Next-day |
Guarantee questions,
answered.
When a customer's account is verified through Plaid and the balance check confirms sufficient funds, the transaction is covered by our funding guarantee — you receive the money even in the rare case of a downstream return. Unverified transactions process as standard ACH.
Stop pricing in
bounced payments.
Open a Guaranteed ACH account and know every verified payment will fund — next business day.
Sign Up NowNo long-term contracts · No setup fees · No cancellation fees