ACH Payment Gateway
Trusted by 530+ businesses in 122 countries
What Is Alchemy Pay (ACH)?
ACH is the native utility token of Alchemy Pay, a payment platform that connects traditional currencies with blockchain networks. The project has been running since 2018 and operates fiat on-ramp and off-ramp infrastructure used by wallets, exchanges and merchants.
The token exists as an ERC-20 asset on Ethereum and as a BEP-20 asset on BNB Smart Chain. Within the Alchemy Pay ecosystem it is used for transaction fees, staking, merchant incentives and cashback for buyers and merchants.
In 2026 Alchemy Pay launched Alchemy Chain, a Layer-1 network built for stablecoin payments and cross-border settlement, where ACH serves as the native gas token. This gives the token a role in both the original payment platform and the new network.
For businesses this matters in one practical way: ACH holders are an audience already oriented towards payments rather than trading, and accepting ACH gives them a direct way to spend it.
How Does an ACH Payment Work?
Customer chooses ACH at checkout
The customer selects Alchemy Pay (ACH) as the payment method and sends the payment from their wallet.
PassimPay generates the payment details
The transaction is confirmed on-chain
Funds are credited to your balance
Why Accept ACH Payments
Lower fees than credit cards
Card payments often take 2–3% of the transaction amount. PassimPay processing fees start at 0.5%, with an optional 0.2% when automatic conversion is enabled. On large invoices and recurring payments the difference adds up.
Protection from volatility
Incoming ACH payments can be converted into USDT or USDC automatically at the moment of payment, so the amount you receive is not exposed to market movement.
Built for subscriptions
Assign a permanent ACH deposit address to each customer. They pay to the same address every time, which works for subscriptions, memberships and regular B2B billing, with no stored card details and no expired cards.
No hidden fees
PassimPay has no monthly subscription fee or hidden platform charges. Businesses can accept ACH payments with free setup and pay only for completed transactions.
Fast API integration
Use the PassimPay ACH payment gateway API to connect ACH payments to your website in a few hours. PassimPay also provides 12 ready-made CMS plugins, including WordPress, Shopify, WooCommerce and Magento 2.
How to Start Accepting ACH
ACH Payment Integration Methods
API
Use the PassimPay ACH payment gateway API to control the checkout flow, payment status, and customer experience. This option fits developers, SaaS platforms, and custom websites that need flexible ACH integration.
CMS plugins
Connect ACH payments through 12 ready-made plugins, including WordPress, Shopify, WooCommerce and Magento 2, without writing code. This works best for businesses that want a faster setup than a custom integration.
Payment invoices
Send an invoice to the customer by email with a direct ACH payment link. This method is useful for B2B payments, service fees, deposits, and one-time orders.
Payment buttons
Add a “Pay with ACH” button to any page and let customers pay without a full checkout rebuild. This option works well for landing pages, customer portals, and simple payment pages.
Mass payouts
Send ACH tokens to multiple recipients in a single transaction with Multisender. Ideal for payroll, affiliate commissions, and partner settlements.
User Reviews
An ideal platform for receiving crypto
I've been using this crypto payment gateway for my business transactions, and it's awesome. The level of security it offers is outstanding. Crypto payments are smooth and hassle-free. The UI is incredibly intuitive, making it easy to navigate even for someone new to cryptocurrencies.
Louisa Neal
US
Simple and reliable payments
Integration was straightforward and the dashboard makes every payment easy to follow. Our team started accepting crypto without changing the existing checkout flow.
Daniel Moore
GB
Fast integration and helpful support
The API documentation was clear, and the support team answered our questions quickly. Payments are processed smoothly and settlement is easy to manage.
Emma Wilson
CA
FAQ
What is an ACH payment gateway?
An ACH payment gateway lets a business accept payments in Alchemy Pay (ACH) on its website. The gateway generates the payment details, tracks the transaction on-chain, credits the merchant balance and notifies the merchant system when the payment is complete.
What is the ACH token?
ACH is the native utility token of Alchemy Pay, a payment platform connecting fiat currencies and blockchain networks. It exists as an ERC-20 token on Ethereum and a BEP-20 token on BNB Smart Chain, and serves as the gas token on Alchemy Chain.
How do I start accepting ACH payments?
Create a PassimPay account, enable ACH in your dashboard, generate an API key and connect the gateway to your website. If you use a supported CMS, install the plugin instead of building a custom integration.
How fast are ACH payments confirmed?
PassimPay detects an incoming transaction within 5 to 15 seconds. Once the network confirms it, the payment is processed automatically and your system receives a notification.
What does it cost to accept ACH?
Processing fees start at 0.5%. Automatic conversion into stablecoins adds 0.2%. There is no monthly subscription and no setup fee.
Are there chargebacks with ACH payments?
Confirmed blockchain payments cannot be reversed by the sender, so chargeback fraud is not part of the equation. There are no dispute cycles and no transactions reversed months after delivery.
Can I convert ACH payments into stablecoins?
Yes. Automatic conversion turns incoming payments into USDT or USDC at the moment of payment, which removes exposure to price movement between payment and settlement.
Can I accept recurring ACH payments?
Static wallets give each customer a permanent deposit address, which suits subscriptions, memberships and regular B2B billing.
What other cryptocurrencies does PassimPay support?
PassimPay supports 74+ cryptocurrencies across 18+ blockchains, including Bitcoin, Ethereum, USDT, USDC, XRP, Solana, TRON and BNB.
Other payment methods on PassimPay
PassimPay supports more than 74 cryptocurrencies. You can view the current list on this page.
Start Accepting ACH Payments Today
Enable Alchemy Pay (ACH) in your PassimPay dashboard and start accepting payments on your website. Free setup, fees starting at 0.5%, automatic conversion into stablecoins.