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ACH Direct DebitUnited States

Get paid with
ACH Direct Debit.

Lower transaction costs and minimize payment failure rates with ACH bank debits, popular in the US.

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ACH
Pay with ACH Direct Debit
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Definition

What is ACH Direct Debit?

ACH Direct Debit is a direct-debit scheme that pulls funds from a customer's bank on a schedule — perfect for subscriptions and retainers.

ACH Direct Debit is a bank debit method used in United States. Your customer signs a mandate once — usually inside a hosted checkout from your payment link — and from that moment you can pull funds on a recurring schedule automatically. Lower transaction costs and minimize payment failure rates with ACH bank debits, popular in the US.

With PayRequest, ACH Direct Debit mandates are captured by sharing a payment link. Subsequent charges run automatically, and PayRequest's dunning automation retries failed pulls with smart timing and customer-friendly emails — keeping involuntary churn low for your subscriptions.

ACH Direct Debit is one of the cheapest ways to bill recurring customers — typically a few cents per pull or under 1%, far below card processing rates. PayRequest charges 0% on top.

Why ACH Direct Debit

Everything you need. Nothing extra.

Recurring on autopilot
Customer signs a mandate once. After that you collect on schedule, automatically.
Lowest cost for subs
A few cents per pull — far cheaper than card networks for monthly billing.
Lower involuntary churn
Bank debits don't expire like cards. Subscriptions keep collecting reliably.
Built for retainers
Agencies, hosting, SaaS, memberships, gym — anywhere recurring billing matters.
Failed-payment retries
Auto-retry pulls when they fail, with smart timing built in.
Mandate-protected
Customers control the mandate — refundable on demand under banking law.
ACH Direct Debit payment link

One link. ACH Direct Debit ready.

  • Set up ACH Direct Debit once for recurring invoices and subscriptions — collects forever
  • Combine with PayRequest's dunning to recover failed pulls automatically
  • Best for high-volume monthly billing — agencies, hosting, SaaS, memberships
  • Customer mandates handled inside PayRequest — no paper-shuffling
  • Pair with your existing one-off payment links for the full billing stack
Start free
3 steps
01
Create your link
Set the amount, add a description, choose ACH Direct Debit as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with ACH Direct Debit, money lands in your account.
FAQ

ACH Direct Debit payment links

How does a ACH Direct Debit payment link work?
Create a link. Your customer signs a ACH Direct Debit mandate once — entering their bank details and confirming. After that, you pull funds on a schedule automatically.
What does ACH Direct Debit cost?
ACH Direct Debit is one of the cheapest recurring methods — typically a few cents per pull or under 1%. PayRequest charges 0% on top.
How long does ACH Direct Debit take to settle?
ACH Direct Debit pulls usually settle within 2–5 business days. Failed pulls trigger automatic retries with smart timing.
Can ACH Direct Debit be used for one-off payments?
Yes — PayRequest can use ACH Direct Debit for one-time invoices as well as recurring subscriptions. The mandate flow is the same.
What if a ACH Direct Debit pull fails?
PayRequest's dunning automation retries failed pulls at the right intervals and emails the customer. You get notified once retries are exhausted.

Send a ACH Direct Debit link in 60 seconds

Free to start. No card required. Connect your provider, share a link, get paid.

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