ACH and eCheck payments for larger invoices
Let customers pay straight from their bank account. ACH is often much cheaper than cards on big tickets, and it suits recurring billing and B2B invoices.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
When ACH makes more sense than a card
On a $5,000 invoice, a 3% card fee is $150. A bank (ACH) payment usually costs a small fraction of that. For B2B suppliers, contractors, property managers, and anyone billing recurring amounts, offering ACH alongside cards can cut costs without making customers write checks.
ACH settles more slowly than cards and returns can happen days later, so it works best with known customers and clear authorization. We'll help you set up authorization language and recurring schedules through a partner's ACH service.
- One-time and recurring ACH debits
- eCheck through invoices and payment links
- Authorization templates
- Works alongside your card account
- Often lower cost on large tickets
Common uses
Where ACH pays off.
B2B invoices
Larger tickets with net terms.
Recurring billing
Monthly service plans and retainers.
Property and HOA
Rent, dues and fees.
Healthcare
Payment plans and balances.
Contractors
Deposits and progress payments.
Professional firms
Retainers and monthly billing.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
How long does ACH take to settle?
Typically one to three business days, depending on the service and when the payment is submitted.
What are ACH returns?
A bank can return an ACH payment for reasons like insufficient funds or an unauthorized debit, sometimes days later. Clear authorization reduces the risk.
Is ACH available on every account?
ACH services are subject to separate approval by the provider.
More services
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.