The ACH pay app for the job site, the counter and the front door. Type what it is for and the amount, hand the customer your phone, they approve from their bank — no card, no reader, no processor taking a cut. The same app lives on your website. Buy ACHplug once, $25, and you have both.
achplug.com/phone?key=…, linked from your dashboard. Add it to your home screen and it opens like an app.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.
The counter in your pocket: type what it is for and the amount, hand the phone over, the customer approves from their bank. Add to home screen and it opens like an app.
Card price and bank price side by side, your discount 0–90%. The customer enters routing and account number, approves, presses Buy. Fits 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.
Yes, two ways. Your phone page (achplug.com/phone) is the counter: you type the amount and hand the phone to the customer. And the box on your website fits a phone screen for customers paying from home. The routing and account fields bring up the number keypad.
No. The customer types their routing and account number on your phone, the same numbers on the bottom of their checks. Nothing to buy, nothing to carry.
No. It is a line of code on your website, or a WordPress plugin. Your customers use it in their browser.
Your own bank, from a file the app builds. No processor, no percentage, nobody who can hold your payout.
Yes, and they can pause or stop from the link in every email. Nothing is collected they did not approve.