How to add ACH payments to Shopify
A practical guide to shopify ach payments: when it’s worth it, what customers need, and how to avoid reconciliation headaches.
When ACH makes sense
ACH shines for B2B and high-AOV orders where card fees are material.
Design the customer flow
Clarity wins: what the customer should do, when the order is confirmed, and how payments match orders.
Set expectations on timing
ACH settlement timing differs from cards. Explain fulfillment timing relative to payment confirmation.
Reconciliation
Standardize references and make payment status visible to reduce follow-ups.
Pair with surcharging
ACH becomes the ‘avoid fees’ path when surcharging is present.