ACH Payment Gateway
Trusted by 530+ businesses worldwide
What Is an ACH Payment?
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
For the business, accepting ACH payments starts when the customer selects ACH at checkout and confirms payment from a U.S. bank account.
PassimPay creates payment details
Funds go through the ACH Network
Business receives the payment
Why Accept ACH Payments for Your Business?
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 ACH Payments Work with PassimPay
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 payments to many recipients in one operation through Multisender. Useful 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
ACH Payment Gateway — Frequently Asked Questions
What is an ACH payment gateway?
An ACH payment gateway lets a business accept ACH payments online and track each transaction through one payment flow.
How do I start accepting ACH payments?
To start accepting ACH payments with PassimPay, create an account, add your payout bank account, generate an API key, and connect the gateway to your website. If you use WooCommerce, you can install the plugin instead of building a custom integration. The full setup can usually be completed in a few hours.
How long does an ACH payment take?
Processing time depends on the selected network and confirmation speed. PassimPay updates the payment status automatically as soon as the transaction is confirmed.
Is it free to accept ACH payments?
There is no setup or monthly subscription fee. You pay only the processing fee for completed transactions.
Who accepts ACH payments online?
Online stores, SaaS platforms, marketplaces, subscription services and B2B companies can accept ACH payments through PassimPay.
What is the cheapest way to accept ACH payments?
An API or a ready-made CMS plugin keeps setup costs low. PassimPay processing fees start at 0.5%.
Can I accept recurring ACH payments?
Yes. A permanent deposit address can be assigned to each customer for subscriptions, memberships and regular billing.
Other Payment Methods on PassimPay
PassimPay supports 74+ cryptocurrencies. Full list is rendered dynamically from the CMS on the live site.
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.