ACH bank-transfer payment links, built for B2C Shopify merchants.
Shopify's native ACH is locked to B2B company-account orders. PayLayer fills the consumer gap: send a branded payment link, the customer signs in to their bank via Stripe Financial Connections, and funds settle directly to your own Stripe Connect account. Works on every paid Shopify plan, no B2B channel required, no 100-order minimum, no checkout replacement.
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.
Encourage bank payments for larger orders where card fees are painful. ACH costs a fraction of credit card processing.
Standardized reference numbers help match payments to orders with less manual work.
Customers receive a branded email with a payment link. Clear steps and timing expectations reduce friction.
Designed around Shopify merchant workflows and checkout realities. Works alongside your existing payment stack.
Send a link. Get paid by bank transfer.
No new checkout. No customer sign-up. Just a link the customer pays with their bank login in seconds.
Create a payment
Enter the customer's email and amount. PayLayer generates a unique, shareable payment link tied to your Stripe account.
Customer pays with their bank
Your customer receives a branded email, clicks Pay, connects their bank via Stripe, and authorizes the ACH transfer.
Funds settle to your Stripe
Stripe clears the ACH in 1–3 business days. Every payment auto-reconciles in your PayLayer dashboard.
Every payment, in one place.
Track every ACH payment from "sent" to "settled", built natively inside Shopify Admin.
- Real-time settlementStripe webhooks update status instantly.
- One-click copy linkRe-send to late customers without recreating.
- Bank-grade encryptionStripe tokens encrypted at rest. SOC 2-ready.
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.
Ready to offer ACH payments?
Install PayLayer from the Shopify App Store and send your first payment link in minutes.
One app. Three modules.
Recover every dollar lost to processing fees. Stack all three for flat pricing with no volume caps.