Get Paid on Time.
Reduce Fees.
Eliminate Risky Delays.
ACH processing gives your clients a safer, smarter, and more affordable way to get paid—no more frozen funds or expensive credit card fees.
Lower processing costs vs. credit cards
Reduce chargebacks and eliminate held funds
Ideal for businesses with recurring billing & invoices
Same-day ACH available
Understanding ACH Processing Pitfalls
ACH is the backbone of business-to-business payments—but most providers make it harder and more expensive than it should be. Here's what to watch for.
Delayed Funding
Many ACH providers delay transfers by 3–5 business days or more, putting your cash flow at risk and delaying vendor or payroll obligations.
Excessive Fees
Stripe and Plaid can charge 1% or more for ACH. These costs stack up fast and eat into your profits unnecessarily.
High Return Rates
Some processors lack the tools to validate routing numbers or flag risky transactions, leading to higher failure and NSF rates that can trigger penalties.
Merchly Makes ACH Work the Way It Should
Most ACH processors build in delays, high fees, and poor risk tools—but Merchly is built for modern businesses. We offer:
- Transparent ACH pricing with no junk fees
- Same-day and next-day funding available for qualified businesses
- Built-in account verification and fraud checks
- Transparent reporting and seamless integration with your CRM or invoicing system
We don't believe in hiding costs or stalling your cash flow. We believe in making it easy for your clients to move money—quickly, securely, and affordably.
ACH That Works for Everyone
Other ACH processors are slow, expensive, and hard to work with. Merchly fixes that—with faster funding, fewer rejections, and pricing your clients can actually understand.
Custom Fee Structures
We don’t charge a flat 1% like Stripe or QBO. We tailor ACH pricing to match volume and risk—so your client actually saves money.
Flexible Integration
API-first tech and embeddable ACH options let us integrate with your client’s existing CRM, billing system, or app—without the tech headache.
Onboarding That Delivers
Our team walks your client through setup, validation, and funding timelines so they get live faster—with zero confusion or ghosting.
Faster Payouts
Same-day and next-day ACH means no more waiting 3–5 days to access your funds. Speed matters, and we deliver.
Bank-Level Security
Every ACH transaction is protected with advanced KYC/KYB screening, account verification, and anti-fraud tools—built in by default.
Profit-First Pricing
Merchly helps your client get paid without losing money in the process—so you look like a hero for sending them our way.
Make Referrals That Actually Matter
Help Your Clients Save More. Look Like a Genius Doing It.
Merchly gives you a smarter way to help your clients—and a partner program built to grow your business while making you look like a rockstar. No tech skills required.