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.