Modern ACH payments for modern businesses

Online ACH payments at Seamless Chex begin when a customer enters their bank account details (routing and account numbers) or securely connects via Plaid. The transaction is processed through the ACH network, which transfers funds from the customer's bank to the business's account. With our same-day ACH option, settlements happen faster than traditional credit card payments, often within hours rather than days.

To get started with ACH payments at Seamless Chex, you'll need:

• A business bank account
• Articles of Incorporation or EIN documentation
• Government-issued ID (Driver's License or Passport)
• Recent bank statements (last 3 months)
• Sample voided check

After applying, our team reviews your application and walks you through the integration process.

Making an ACH payment online with Seamless Chex is straightforward. Customers can pay directly from their bank account using one of three methods: entering their routing and account numbers, connecting their bank via Plaid for verified ACH, or using our hosted payment page. The merchant initiates the transfer, the ACH network processes it, and funds are typically available within 1-3 business days (or same-day with same-day ACH).

ACH payments are accepted by a wide range of businesses across many industries — from e-commerce stores and SaaS companies to property management firms, nonprofits, schools, and healthcare providers. Any business with a U.S. bank account can accept ACH through Seamless Chex, including high-risk industries that struggle to find traditional processing.

To send or receive ACH payments, you need:

• A valid U.S. bank account (checking or savings)
• The recipient's or payer's routing and account numbers, OR Plaid-verified bank connection
• Authorization from the customer to debit their account
• A merchant account with an ACH processor like Seamless Chex

While ACH is primarily designed for business-to-business and business-to-consumer transactions, individuals can send ACH payments through their personal banking platforms — typically via bill pay or direct transfers. For higher-volume or business use cases, working with a processor like Seamless Chex gives you greater control, reporting, and faster settlement options.

Yes. With proper authorization, you can transfer funds to another bank account via ACH. Seamless Chex makes this easy through our payouts feature — send money to vendors, contractors, employees, or customers using their account details or a payment link they can fill out themselves.

Virtually all U.S. banks support ACH transfers as ACH is the standard network for electronic bank-to-bank payments in the United States. However, individual banks may have their own limits, fees, or processing times. With Seamless Chex, we work across all major banks and most credit unions to ensure your ACH transactions process smoothly.

Instant ACH transfer (often called RTP — Real-Time Payments) is available through Seamless Chex's Paynote platform. Unlike traditional ACH which takes 1-3 days, RTP settles within seconds, 24/7/365. This is ideal for time-sensitive payouts to vendors, contractors, or customers.

• Employer Identification Number (EIN)
• Articles of Incorporation
• Photocopy of Driver's License
• Three Months of Bank Statements (if accessible)
• Three Months of Credit Card Processing Statements (if accessible)
• Authorization for Call Script
• Voided Check