Send Real-Time ACH Payments,
Direct Deposits & Mass Payouts
Send instant payouts, refunds, commissions, direct deposits, and bulk payouts — 24/7/365. One payment or ten thousand, all you need is the recipient's email.
Sterling ACH
Wallet · $48,200
Email payout
MinutesRTP instant
SecondsDirect deposit
Same dayBulk CSV
One uploadEverything a payout stack needs.
Nothing you'll fight with.
Real Time Payments (RTP)
Instant payouts available around the clock 365 days a year — including weekends and holidays. Funds land in seconds, not days.
Bulk CSV upload
Pay hundreds of vendors, affiliates, or contractors in one shot. Upload a single CSV and we handle every payout on the list.
Plaid-verified security
Every linked account is verified through Plaid before a dollar moves, dramatically reducing misdirected payments and fraud.
User-friendly dashboard
Track every payout, filter by status, export reports, and reconcile in minutes from one clean, modern interface.
Same-day ACH
Need bank-rail settlement today? Same-day ACH windows get standard transfers processed before the business day ends.
Developer API & plugins
Automate payouts with a clean REST API, webhooks, and ready-made plugins — go live in days, not months.
24/7 support
Real humans on email, chat, and phone around the clock. Payout questions never wait until Monday.
Direct deposits
Run payroll-style direct deposits to employees and contractors with routing and account numbers — simple and reliable.
Wallet & balance
Hold funds in your own e-wallet balance. Pre-fund your Sterling ACH wallet to send instantly, or connect your bank and draw payouts straight from your balance.
From signup to settled
in five simple steps
Sign up
Create your Sterling ACH account online. Most businesses are approved and sending the same day.
Select payment type
Choose real-time payment, same-day ACH, standard ACH, or a bulk payout run — whatever the job calls for.
Enter recipient's email
All you need to send a payment is the recipient's email. We've got the rest — recipients securely link their own bank account.
Recipient receives payment
They get an email notification and the money lands in their verified account — in seconds on the RTP network.
Track in real time
Watch every payout move from initiated to settled on your dashboard, with exportable reports for reconciliation.
Businesses sending smarter
with Sterling ACH
“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
Start Simplifying
Your Payments
Send your first real-time payment today. Same-day approval for most businesses.
Sign Up NowNo long-term contracts · No setup fees · No cancellation fees