ACH & Bank Transfer Solutions
Direct from
bank to business
Skip credit card fees with direct bank transfers. Perfect for subscriptions, large transactions, and businesses that value predictable, low-cost processing.
Lower processing costs
Day settlement
See how ACH transforms payment processing
Scroll through each benefit to see real ACH implementations in action
Up to 70% cost reduction
Reduced Processing Costs
Significantly lower transaction fees compared to credit card processing
Ideal for high-volume or recurring transactions
Bank Account Setup
Bank-level protection
Enhanced Security
Bank-grade security with direct account-to-account transfers
Automation-friendly
Perfect for Recurring Payments
Automated billing for subscriptions, memberships, and regular services
Recurring Payment Setup
Upcoming Payment Schedule
ACH Settlement Timeline
No chargeback disputes
Predictable Settlement
Consistent 1-3 day settlement windows with no chargeback risk
Reliable fund availability
Two types of ACH processing
ACH Credit
Subscriptions, one-time purchases
ACH Debit
Recurring bills, automatic payments
Perfect for these business models
Subscription Software
Common examples:
- SaaS platforms
- Software licenses
- Cloud services
- API usage
B2B Services
Common examples:
- Professional services
- Equipment leasing
- Wholesale orders
- Contract payments
Membership Organizations
- Gym memberships
- Professional associations
- Club dues
- Training programs
Simple ACH integration
Your customers’ data is protected by the same security standards used by major financial institutions. We never store sensitive card information.
Bank Account Verification
Verify customer accounts with micro-deposits or instant verification
2.
Configure ACH Processing
Set up credit/debit preferences and recurring billing rules
3.
Process & Monitor
Launch transactions and track status with comprehensive reporting
// Initialize Constellation ACH
import { ACHProcessor } from '@constellation/sdk';
const ach = new ACHProcessor({
apiKey: 'your-api-key',
environment: 'production'
});
// Process ACH debit
const payment = await ach.processDebit({
amount: 9999, // $99.99
currency: 'USD',
bankAccount: {
routingNumber: '021000021',
accountNumber: '1234567890',
accountType: 'checking'
},
description: 'Subscription payment'
});
console.log('ACH payment initiated:', payment.id);
Ready to reduce processing costs?
Join thousands of businesses who switched to ACH processing for lower costs, better security, and more predictable payment flows.
24/7
Processing availability
99.9%
Uptime guarantee
Same-day
ACH available