Collect payments by ACH, direct from your customer's bank. No fees. No card processor.

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.

This is the full version. Every feature — team and auditor logins, several businesses under one login, the anti-fraud file record — for $25, and early buyers keep it all at that price for good. Later releases split into Lite and Full, and Full goes to $50.

Buy ACHplug $25, once

How ACHplug compares

Every other way to take ACH 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 ACH	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.

What you get for $25

The ACH payment form

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.

Collect

Approved payments in one list. One bank file to download and upload at your bank. Received sends the receipt.

Recurring

Weekly, monthly, yearly; until stopped, N payments, or a date. Pause / Stop link in every customer email.

Several businesses, one login

Each with its own bank account, discount, code and journal, plus an all-sites journal with combined totals.

Sales Journal — ACH payments

Last 7 days, month, year, all time; card fees you did not pay; Unpaid / Paid / All; search; CSV.

Donations

The donor picks the amount; the receipt carries your EIN and the IRS acknowledgment line.

Buy ACHplug $25

Watch the setup — 90 seconds

Questions

Does it work on a phone?

Yes. The customer's checkout and your dashboard both fit a phone screen; the routing and account fields bring up the number keypad.

Do I need an app store download?

No. It is a line of code on your website, or a WordPress plugin. Your customers use it in their browser.

Who collects the money?

Your own bank, from a file the app builds. No processor, no percentage, nobody who can hold your payout.

Can customers set up recurring payments?

Yes, and they can pause or stop from the link in every email. Nothing is collected they did not approve.