{"id":552,"date":"2025-02-14T23:07:23","date_gmt":"2025-02-14T23:07:23","guid":{"rendered":"https:\/\/natanmercedes.com\/?p=552"},"modified":"2025-02-14T23:09:12","modified_gmt":"2025-02-14T23:09:12","slug":"pagos-ach-que-son-como-funcionan-y-por-que-son-claves-para-empresas-y-saas","status":"publish","type":"post","link":"https:\/\/natanmercedes.com\/en\/2025\/02\/14\/pagos-ach-que-son-como-funcionan-y-por-que-son-claves-para-empresas-y-saas\/","title":{"rendered":"ACH Payments: What They Are, How They Work, and Why They&#039;re Key for Businesses and SaaS"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In the world of digital payments, <strong>ACH (Automated Clearing House) payments<\/strong> They have gained a leading role in commercial transactions, payroll payments, subscriptions and more. Their efficiency, low cost and security make them an attractive alternative to traditional card payments or bank transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a SaaS company, run a high-volume business, or simply want to optimize the way you process payments, understand <strong>How ACH Payments Work<\/strong> will allow you to improve your cash flow and reduce operating costs. In this article, I will explain everything you need to know about <strong>ACH, its benefits, challenges and how to implement it in your business.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What is an ACH Payment?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ACH (Automated Clearing House) is an electronic bank transfer system in the US that allows money to be moved between bank accounts without using physical checks, credit cards or cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Example of use:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Payment of <strong>payrolls<\/strong> (direct deposit).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Recurring collections<\/strong> in SaaS and subscriptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Payments of <strong>bills and loans<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Low-cost electronic bank transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ACH payments fall into two main categories:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. <strong>ACH Credit<\/strong>: A business or person sends money from their account to another (example: payroll payment).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. <strong>ACH Debit<\/strong>: A business withdraws funds from a customer&#039;s account (example: automatic billing for a subscription).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The ACH system is regulated by <strong>NACHA (National Automated Clearing House Association)<\/strong>, ensuring security and compliance in all transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How do ACH Payments Work?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The process for an ACH payment follows these steps:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1\ufe0f\u20e3 <strong>The payer initiates the transaction<\/strong> from your bank or payment platform.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2\ufe0f\u20e3 <strong>The request goes through the ACH network<\/strong>, operated by the Federal Reserve and the Clearing House.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3\ufe0f\u20e3 <strong>The money is transferred to the recipient&#039;s account<\/strong> within 1 to 3 business days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\ude80 <strong>The interesting thing is that ACH payments eliminate intermediaries such as card networks (Visa, Mastercard), making them cheaper and more efficient.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Advantages of ACH Payments<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Lower Costs than Credit Cards<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One of the biggest benefits of ACH payments is that they have <strong>significantly lower commissions<\/strong> than card transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Rate comparison example:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>ACH:<\/strong> $0.20 \u2013 $1.50 per transaction or 0.5%-1.5% of the amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Credit card:<\/strong> 2.9% + $0.30 per transaction (on average).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you run a business with high-value transactions, such as <strong>B2B SaaS or real estate<\/strong>, the savings in commissions can be enormous.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Ideal for Recurring Payments and Subscriptions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For subscription-based business models, ACH payments allow for automatic and scheduled collections without worrying about <strong>expired or blocked cards.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Example:<\/strong> A SaaS that charges $500 per month to its customers will save more on processing by using ACH instead of cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Reduction of Chargebacks and Frauds<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ACH payments have <strong>less risk of fraud and chargebacks<\/strong> Compared to credit cards, because they require prior authorization from the customer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Fewer refunds due to fraud.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Greater stability in recurring income.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>More security in B2B transactions.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Automatic Processing Without Human Error<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because ACH payments are electronic and programmable, they eliminate manual errors in wire transfers and improve payment reconciliation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Example:<\/strong> Payroll companies use ACH because it is more efficient and secure than issuing physical checks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Challenges of ACH Payments<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despite their advantages, ACH payments have some limitations that you should consider:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. They Are Not Instant<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike card payments, <strong>ACH payments take between 1-3 business days<\/strong> to be processed. This can be a problem if you need funds immediately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Solution:<\/strong> Some processors offer same-day ACH (<strong>Same-Day ACH<\/strong>) for an additional fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Geographic Restrictions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The ACH system <strong>only works within the US<\/strong>, making it useless for companies that operate globally.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Solution:<\/strong> If you need international payments, use options like <strong>SEPA in Europe or SWIFT<\/strong> for global bank transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Possibility of Refunds for Insufficient Funds<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the payer&#039;s account does not have sufficient funds, the ACH payment may be rejected, resulting in administrative costs and delays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Solution:<\/strong> Implement <strong>Push Notifications<\/strong> and <strong>payment retries<\/strong> on your system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How to Implement ACH Payments in a Business?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to start accepting ACH payments, here are the recommended steps:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Choose an ACH Compatible Payment Gateway<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not all payment platforms offer ACH. Some of the best options include:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Stripe<\/strong> (with ACH Direct Debit).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Plaid + Authorize.net<\/strong> (for secure banking connections).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Dwolla<\/strong> (specialized in ACH).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Request Customer Authorization<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before debiting funds from a bank account, you need to obtain a <strong>authorization mandate<\/strong>, which can be electronic or physical.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 <strong>Example:<\/strong> An online form where the customer accepts the terms of the ACH debit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Automate Processes<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To make ACH efficient for your business, implement:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Automatic billing for recurring payments.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Payment retries in case of failure.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Payment notifications and reminders to avoid chargebacks.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is ACH Payments Worth Using in SaaS and Digital Businesses?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Yes, especially if you handle recurring payments or high-value transactions.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>If you run a B2B SaaS or premium subscription service, ACH will help you save on fees and improve retention.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>If you process payroll, invoices, or business payments, ACH is a more efficient and secure option.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>If you depend on international payments, it is better to complement with other options such as SWIFT or SEPA.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusion<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ACH payments are a <strong>Powerful and cost-effective solution<\/strong> for businesses looking to reduce costs, improve security and automate recurring billing. While they have limitations such as processing times, their benefits far outweigh the challenges for many industries.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your business doesn&#039;t yet accept ACH payments, it&#039;s time to consider it. \ud83d\ude80<\/p>","protected":false},"excerpt":{"rendered":"<p>En el mundo de los pagos digitales, los pagos ACH (Automated Clearing House) han ganado un rol protag\u00f3nico en transacciones comerciales, pagos de n\u00f3mina, suscripciones y m\u00e1s. Su eficiencia, bajo costo y seguridad los hacen una alternativa atractiva frente a pagos con tarjetas o transferencias bancarias tradicionales. Si tienes una empresa SaaS, manejas un negocio [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":554,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-552","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nuevos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pagos ACH: Qu\u00e9 Son, C\u00f3mo Funcionan y Por Qu\u00e9 Son Claves para Empresas y SaaS - Natan Mercedes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/natanmercedes.com\/en\/2025\/02\/14\/pagos-ach-que-son-como-funcionan-y-por-que-son-claves-para-empresas-y-saas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pagos ACH: Qu\u00e9 Son, C\u00f3mo Funcionan y Por Qu\u00e9 Son Claves para Empresas y SaaS - Natan Mercedes\" \/>\n<meta property=\"og:description\" content=\"En el mundo de los pagos digitales, los pagos ACH (Automated Clearing House) han ganado un rol protag\u00f3nico en transacciones comerciales, pagos de n\u00f3mina, suscripciones y m\u00e1s. Su eficiencia, bajo costo y seguridad los hacen una alternativa atractiva frente a pagos con tarjetas o transferencias bancarias tradicionales. 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Su eficiencia, bajo costo y seguridad los hacen una alternativa atractiva frente a pagos con tarjetas o transferencias bancarias tradicionales. 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