Shopify ACH payments guide
A practical guide to accepting ACH/bank payments on Shopify: customer UX, costs, settlement, and implementation patterns.
What is ACH?
ACH is a US bank-to-bank transfer network. It can be lower cost than cards, but has different settlement timing and verification considerations.
Why add ACH on Shopify
- Reduce processing costs on large orders
- Offer a B2B-friendly payment method
- Give customers a way to avoid card surcharges
Implementation patterns
The best ACH implementations set clear customer expectations, standardize payment references, and keep payment status visible to merchants.