Lower-cost transfers for B2B invoices, rent, and high-ticket transactions, with built-in account verification.
Get a free quoteCard processing makes sense for most day-to-day transactions, but once a payment gets large — a B2B invoice, a commercial rent payment, a large deposit, or a high-ticket service — the percentage-based cost of card processing starts to add up in a way that a bank-to-bank transfer simply doesn't. Harbour Payments' ACH and bank transfer tools move money directly between accounts at a lower cost than card processing, which is why they're most commonly used by businesses billing other businesses, property managers collecting rent, and any merchant with a meaningfully larger average transaction size. Unlike a card payment, an ACH transfer draws directly from a customer's bank account rather than through the card networks, which is what keeps the cost down, though it also means settlement takes a bit longer — Harbour offers both same-day and standard ACH options, with standard transfers typically settling within one to a few business days. Built-in account verification helps reduce the most common ACH failure point: an incorrect or unverified bank account number, which can otherwise result in a returned transaction and a delay in getting paid. For businesses that already use recurring billing, ACH can also be set as the default payment method for larger recurring invoices, combining the cost savings of a bank transfer with the automation of scheduled billing. Because ACH and bank transfers run through the same Harbour dashboard as card and other payment types, a business collecting a mix of small card payments and large bank transfers still gets one unified view of revenue and settlement, rather than needing a separate system just to handle larger transactions.
ACH and bank transfers typically make sense for larger transactions, like B2B invoices or rent, since they carry lower fees than card processing.
Harbour offers both same-day and standard ACH options, with standard transfers typically settling in one to a few business days.
Yes, built-in account verification helps reduce failed or returned ACH transactions.
Yes, ACH transfers generally carry lower fees than card processing, which matters most for larger transaction amounts.
Yes, ACH can be used as the payment method for recurring billing, often for larger recurring invoices.
A returned ACH transfer (for reasons like insufficient funds) is flagged in your dashboard, and you can follow up with the customer to retry.
Limits vary by account and risk profile; higher-volume merchants can typically process larger ACH amounts with appropriate underwriting.
Yes, ACH payments require the customer’s bank account and routing number, or a secure bank login connection depending on your setup.
Yes, customers can be given the choice between card and ACH at checkout or on an invoice.
Yes, Harbour offers same-day ACH options for transfers that need to settle faster than standard processing.
ACH transfers move through the Automated Clearing House network and typically cost less than wire transfers, though wires can settle faster for very large amounts.
Yes, ACH is commonly used for larger one-time or recurring donations where lower fees matter.
Typically just your standard merchant account setup; no additional documentation is required beyond what’s needed for card processing.
Yes, ACH transactions appear alongside card and other payment types in your unified Harbour reporting.
Yes, built-in verification tools can confirm bank account validity before the first transfer is initiated.
Talk to our team about ACH for your larger transactions.