PayLayer vs. credit cards
Cards take 2.9% + $0.30 and keep taking it as the order gets bigger. Stripe ACH takes 0.8% and stops at $5. Put your own volume in below and see what that's worth on your store.
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. The bigger the order, the wider that gap gets. Shopify only offers ACH on B2B orders, so PayLayer puts it on every paid plan instead.
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.
Nobody types a routing number. Nobody waits three days for test deposits to show up. Your customer picks their bank, signs in through Stripe Financial Connections, and approves the payment with one tap.
- Stripe reaches 12,000+ US banksEvery big national bank, plus the regional banks and credit unions most people actually use. Your customer finds theirs and moves on.
- You never see a passwordYour customer signs in on their bank's own login screen. Those credentials go to the bank, never to us.
- Your store's name is on the pageYour name and support contact sit at the top of it, so nobody wonders who just asked them for money. It's built for a phone, because that's where they'll open it.
- Nobody has to make an accountThere's no sign-up and no password to forget later. They pay, and that's the end of it.
Key differences
- 2.9% + $0.30 on every order, with no cap
- The money lands in about 2 business days
- Chargebacks, plus a fee for each one
- Your customer types in a card number
- 0.8%, and it stops at $5 per transfer
- The money lands in 3–5 business days
- No chargebacks. ACH has returns instead
- Your customer signs in to their own bank through Stripe Financial Connections
ACH pays off most on your larger orders, where the $5 cap does the real work. On small impulse buys the flat $0.30 dominates the cost anyway, so a card is still the right call there.
Try PayLayer on your store
Request early access. Set it up once, and every bank payment after that runs itself.