Yes, you can take ACH payments for any business. Buy ACHplug — only $25 — and it can be on your web and works on mobile. It even works for recurring payments and multiple businesses you run. Great for all businesses, and non-profits too.
Buy ACHplug $25, onceEvery other way to take bank payments on a website puts a card company between you and your money, or leaves you matching deposits by hand.
| ACHplug | WP Simple Pay Pro | Formidable Forms | WooCommerce Direct Bank Transfer | WooPayments / Stripe ACH | |
|---|---|---|---|---|---|
| How the money moves | Customer approves on your site; your bank collects | Stripe pulls (ACH debit) | Stripe pulls | Customer sends it themselves; you match it by hand | Stripe pulls |
| Company between you and your money | None | Stripe | Stripe | None | Stripe |
| Fee per payment | $0 from ACHplug; your bank's ACH cost, often nothing | 0.8% capped at $5, plus $1.50 verification | Stripe's rate plus 3% on the free plan | $0 | 0.8%, cap $5 |
| Software price | $25 once | Paid license — ACH not in the free version | Free with 3% fee, or paid license | Free, needs WooCommerce | Free, needs WooCommerce |
| Can your money be held | No | Yes | Yes | No | Yes |
| Recurring: contract paid off, service kept up | Yes — customer approves once, pauses or stops any time | Yes, through Stripe | Yes, through Stripe | No | Yes, through Stripe + Subscriptions |
| Discount for paying by bank | Built in, 0–90% | No | No | No | No |
| Customer's routing number checked against the Fed directory | Yes | n/a | n/a | No | n/a |
| Sales journal, week/month/year, CSV | Built in | Stripe dashboard | No | WooCommerce orders | Stripe dashboard |
| Several businesses under one login, each with its own bank account and journal | Yes | No | No | No | No |
| Anti-fraud/theft feature — every bank file numbered and on record: what was in it, when sent, what cleared | Yes | No | No | No | No |
| Team logins with roles — bookkeeper and read-only auditor, every action signed by password | Yes | Stripe team roles | WordPress users | WordPress users | Stripe team roles |
| Works without a store platform | Yes — any page | Yes | Yes | No | No |
| Instant clearing | Often instant — bank dependent, up to 1–3 days | No — 3 to 5 days | No | No | No |
Fees and features as published by each company, September 2026.
Card price and bank price side by side, your discount 0–90%. The customer enters routing and account number, approves, presses Buy. Works on any phone.
Approved payments in one list. One bank file to download and upload at your bank. Received sends the receipt.
Weekly, monthly, yearly; until stopped, N payments, or a date. Pause / Stop link in every customer email.
Each with its own bank account, discount, code and journal, plus an all-sites journal with combined totals.
Last 7 days, month, year, all time; card fees you did not pay; Unpaid / Paid / All; search; CSV.
The donor picks the amount; the receipt carries your EIN and the IRS acknowledgment line.
No. ACHplug is software. Your customer approves the payment on your site and your own bank collects it. Nobody stands between you and your money.
Nothing from ACHplug. Your bank may charge a small monthly fee for ACH origination, often nothing per payment.
Yes — weekly, monthly or yearly, until stopped, for a number of payments, or until a date. The customer approves once and can revoke from the link in every email.
Yes. One login, any number of businesses, each with its own bank account, discount, code and journal, plus an all-sites journal.