Skip the Trip to the Bank

ACH is typically priced as a flat or capped fee per transaction rather than a percentage of the sale, since it doesn't carry card network interchange. On larger transactions, this usually costs meaningfully less than the equivalent card payment — the savings scale with the transaction size, so the difference is most noticeable on invoices in the thousands of dollars.

ACH doesn't carry the same practical ceiling that some card transactions face, which is part of why it's commonly used for large B2B invoices and contract payments. Specific limits can still apply depending on your account and risk profile — ask your account contact if you're processing unusually large transactions.

Yes, a return fee typically applies when a transaction fails due to insufficient funds or invalid account details, similar in concept to a bounced check fee. We disclose this upfront and help you set up automated retry logic to reduce how often it happens.

No. Your ACH and card processing run through the same Argent account and report into one dashboard, so you're not reconciling two separate statements for one business.

Same-day ACH is available for an added fee in many cases, settling faster than the standard one-to-three-business-day timeline. Ask your account contact whether it's a good fit for your specific billing schedule.

Your customer authorizes the debit once, typically through a signed form or online consent, and the schedule runs automatically from there — no manual re-entry required each cycle. We help configure the schedule and retry logic during setup.

Yes — ACH pairs directly with our electronic invoicing solution, so customers can pay a bank transfer directly from an emailed invoice link instead of mailing a check.

Most standard accounts are approved and set up within a few business days, similar to card processing. Higher-volume or specialized accounts may take slightly longer during underwriting review.

No hardware is required — ACH payments are authorized and processed through a secure online form, invoice link, or virtual terminal rather than a physical card reader.

Yes, through our Customer Vault solution, bank account details are tokenized and stored securely for repeat customers, the same way we handle card-on-file storage.

ACH transfers are encrypted and processed through a regulated banking network, which generally offers stronger security and tracking than a paper check that can be lost, altered, or delayed in the mail.

You'll get an automated notification with the specific return code — insufficient funds, invalid account, or similar — and we help you configure a retry schedule so a temporary issue doesn't require manual follow-up every time.

Customers can dispute an unauthorized ACH debit through their bank, though the process and timelines differ from a card network chargeback. Keeping clear authorization records (signed forms, timestamped online consent) is your best protection if a dispute comes up.

You'll have a named point of contact on your account team, not a general support queue, who can look into a specific transaction directly.

Yes — most businesses phase it in by offering ACH as an option alongside checks and cards, then gradually shifting recurring customers onto it rather than a hard cutover.