Shopify ACH bank transfers, fully automated from checkout to Paid.
Your customer picks bank transfer at checkout. That's the last thing anyone does by hand: PayLayer emails them a secure pay link, they sign in to their own bank through Stripe Financial Connections, and when the transfer settles the order marks itself Paid in Shopify, customer receipt included. You never send a link, never chase a payment, never reconcile a deposit. And where Shopify's native ACH is locked to Plus B2B accounts, PayLayer runs on every paid plan, for every retail order, at 0.8% capped at $5 instead of 2.9% + 30¢.
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.
The customer picks bank transfer at checkout. PayLayer sends the pay link, watches the transfer, marks the Shopify order Paid, and emails the receipt. There is no step where you do something.
Card fees keep climbing with the order. ACH fees don't: it's 0.8% of the transfer and never more than $5, so the bigger the basket, the more of it you keep.
It has your store name on it, the amount, and one button. They click, sign in to their bank, and they're done. Nobody has to create an account with us to pay you.
Nothing about the way you take cards today changes. Bank transfer shows up as one more payment option at checkout, and card orders flow exactly as they always have.
Fully automated, from checkout to Paid.
Your customer picks bank transfer at checkout. Everything after that happens on its own: the pay-link email, the bank sign-in, the order flipping to Paid. You're not in any of these steps.
Customer picks bank transfer at checkout
Bank transfer appears as one more payment option in your existing Shopify checkout, on desktop and mobile. They select it and place the order as normal.
PayLayer emails the pay link. They pay.
The instant the order lands, PayLayer automatically emails a branded pay link. Your customer taps Pay and signs in to their own bank through Stripe. No card number to type, no account to create, nothing for you to send.
The order marks itself Paid
Stripe clears the transfer in 3–5 business days into your own Stripe account. PayLayer flips the Shopify order from Payment pending to Paid and emails your customer a receipt, on its own.
Know exactly where every payment stands.
Sent, processing, settled. You watch each ACH payment move through those three without ever leaving Shopify Admin.
- The status updates itselfStripe tells us the moment a transfer clears, so the row flips to settled and the Shopify order marks itself Paid. You don't refresh anything.
- Copy the link and send it againWhen someone lets it sit for a week, you resend the same link. You don't have to build the payment over.
- We encrypt Stripe tokens at restBank credentials never reach our servers in the first place, and we're SOC 2-ready.
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.
Start taking ACH payments on your store.
Request early access. Set it up once, and every bank payment after that runs itself.
One app. Three modules.
Card fees, no bank-transfer option, BNPL taking a cut of your biggest orders. One module each. Stack all three for flat pricing with no volume caps.