What are ACH Payments?

ACH is an electronic payment network used to transfer funds from one bank account to another without using paper checks, credit card networks, wire transfers, or cash. These types of payments are sometimes called "direct transfers." 

Why should I use ACH payments for my business?

ACH payments are only charged a 1% processing fee, which is significantly less than credit card payments. Moreover, ACH payments are faster and more reliable than checks because they’re electronic. Most ACH payments take 1-2 business days to complete. Some ACH payments are subject to review, which can delay their processing time up to 5 business days.

How much do ACH payments cost?

ACH payments are available for a standard 1% fee.

Note: The fee may vary based on your specific plan. For details chat in so that our team can confirm your rate.

How can I be eligible to use ACH? 

You need to have a bank account added and identity verified to be eligible to activate ACH transfers.

Note: If you meet this qualification and don't see ACH payment option, please reach out to our support team through HCP chat.

How long before I see money in my bank account?

Payments received before 6pm ET on weekdays (Monday-Friday) may reach your bank account as soon as the next business day. In rare cases, it could take up to 5 business days.

  • For example: A payment made on Monday at 3pm ET could appear in your bank account as early as Tuesday, but no later than Friday.

Payments received after 6pm ET on weekdays (Monday-Friday) will be processed on the following business day. You may then see it in your bank account in one additional business day after processing. It could take up to 5 business days to arrive.

  • For example: A payment made on Monday after 6pm ET will initiate on the next business day, Tuesday and could arrive in your bank account as soon as Wednesday, but no later than the following Monday.

Payments received on a weekend (Saturday or Sunday) or federal holiday will be processed on the next business day. You may then see it in your bank account on the next business day. It could take up to 5 business days to arrive.

  • For example: A payment made on Saturday morning will initiate on the next business day, Monday and could arrive in your bank account as soon as Tuesday, but no later than Friday.

Note: If you just started using Housecall Pro for payments, your ACH payments may take longer at first, but still should be available in 1-5 business days.

Is ACH available in Canada?

No. ACH is only available to customers in the US.

How do refunds with ACH work?

ACH refunds must be initiated within 90 days after the original payment. A refund can only be processed after the payment process has completed. For example, if a refund is initiated immediately after a payment is made, there will be a 4-5 business day delay for the charge to process first, then another 4-5 business days for the refund transfer process.

How do I turn on ACH payments?

  1. Make sure you've setup your bank account to receive payouts

  2. Only after you've completed step 1 will you see the option to Allow ACH Payments in an invoice's payments settings 

  3. Click the toggle to turn on

When your customer receives the emailed invoice, they will be able to log in with their online banking credentials and send payment easily.

What will my customers see?

When you send a text or email with ACH payments enabled, your customers will be able to log in to their bank online in order to send payment.


Having trouble collecting from your customers? Check out these simple tips!

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