ACH Direct Debit pulls funds from a customer's US bank account on a recurring schedule. The Nacha network settles in 1-3 business days (same-day available), and per-transaction costs run from pennies at the bank level to 0.80% capped at $5 through processors like Stripe. For invoices over $200, ACH is typically 20-50x cheaper than card. The trade-off: ACH is US-only, and returns (NSF, closed accounts, authorization disputes) can come back up to 60 days after settlement, so any billing implementation needs proper R-code handling and retry logic.

Solvimon supports ACH natively through our Adyen integration, and through Stripe or Checkout.com when customers bring their own processor. Mandates, returns, and same-day routing are handled in the same invoicing ledger as cards and SEPA.

Best for: B2B subscriptions, recurring SaaS billing over $200/invoice, payroll-style payouts.

Settlement: 1-3 business days (same-day available).

Geography: United States and Puerto Rico only.