PayLayer vs. credit cards
Credit cards cost 2.9% + $0.30 per transaction. Stripe ACH costs 0.8%, capped at $5 per transfer. On larger orders that gap widens fast. Here's the math on your volume.
Pay by bank.Save on every order.
Credit cards cost 2.9% + $0.30 per transaction. Stripe ACH costs 0.8%, capped at $5 per transfer. On larger orders, that gap widens fast, and PayLayer adds it to every Shopify plan, not just Plus B2B.
See what you'd save with PayLayer.
Plug in your monthly volume. We'll show you the difference between credit-card processing and Stripe ACH (capped at $5 per transfer).
Assumes Stripe standard card processing (2.9% + $0.30) vs. Stripe ACH (0.8%, capped at $5 per transfer). Your actual savings depend on your processor, card mix, and order composition.
Pay with a bank login in under 30 seconds.
No typing account numbers. No 3-day verification. Customers connect their bank via Stripe Financial Connections (Plaid-grade) and authorize with one tap.
- 12,000+ US banks supportedMajor banks and every credit union, via Stripe Financial Connections.
- Bank-grade authenticationCustomer logs into their own bank, you never see credentials.
- Mobile-first branded pageYour logo, your store name, your support email.
- No customer sign-up requiredNo account, no password. Just pay and done.
Key differences
- 2.9% + $0.30 per transaction, uncapped
- Funds typically settle in 2 business days
- Chargebacks + chargeback fees
- Customer enters card number
- 0.8%, capped at $5 per transfer
- Funds settle in 1–3 business days
- No chargebacks (ACH return only)
- Customer logs in to their bank via Stripe Financial Connections
ACH is best for larger orders where the $5 cap gives you the biggest savings. Credit card is still appropriate for smaller impulse purchases where the flat $0.30 dominates.
Try PayLayer on your store
Install from the Shopify App Store and send your first ACH payment link in minutes.
