Agile Payments Blog

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ACH Transfer API - 2019 Guide

Feb 25, 2019 2:26:53 PM

How can an ACH Transfer API help your business or SaaS?

An ACH Transfer API provides an additional payment option: Using the ACH network allows a business to debit or credit checking and savings accounts.

Not everyone has a credit card or if they do can or want to use for recurring payments. Bottom-line; two methods for payment remittance can save loads of time spent by employees chasing down declined transactions.

An ACH Transfer API provides a less expensive processing avenue: IACH transactions are much less expensive than credit card processing with savings often exceeding 90%. . That said, ACH transactions lend themselves well to some organization types, while other types might not benefit as well. Businesses and organizations that do tend to benefit from ACH processing tend to know their customers well, i.e., they are of a recurring nature. Businesses who sell a product to a one-time customer on the internet are less likely to benefit from integrating to an ACH API. The bottom-line is that ACH Processing fees can be 80-90% less expensive than credit card transaction so fees saved via ACH processing can be significant.ACH Transfer API

Revenue Share: While merchant organizations differ in their business models, understand that most all organizations have leverage that can be used to generate revenue from the ACH transactions. It’s your organization that integrates and, in essence, becomes a sales agent for the processor. There is a cost of sales and marketing, so why should your organization pass on the leverage opportunity at hand?

Credit card decline rates are high: Recurring credit card decline rates are around 15%, and sometimes exceeding 20%. ACH payment processing return rates are far lower – less than 2% for a subscription based merchant. That means that an additional 15% of revenue is funded without having to hunt-down customers who had a transaction declined because of an expired or re-issued credit card. Checking and savings accounts don’t have expiration dates and are not nearly as susceptible to being closed or re-generated due to data theft. This makes an ACH API integration a perfect choice for any SaaS that has a subscription payments component.

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Wayne Akey
Written by Wayne Akey

Wayne Akey works collaboratively with SAAS providers whose clients have recurring billing needs to create innovative payment solutions and new revenue streams. He has partnered with dozens of software providers to create integrated payment solutions that solve recurring billing problems and generate significant recurring revenue. He has experience in: ACH Processing | Payment Partnerships | Payment Gateway Integration | Credit Card Decline Mitigation | Payment Aggregation. Wayne is the author of “Explode SAAS Revenue by 84%: A Guide to Geometric Growth using Integrated Payment Processing”. To learn how your software application can become a billing solution for your users as well as generate additional revenue streams, contact Wayne today at We guarantee you will learn how to improve revenue per client by at least 10% or we will donate $500 to the charity of your choice.

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