How Can I Accept ACH Bank Transfers on Shopify?
ACH (Automated Clearing House) payments are one of the easiest and most cost-effective ways for U.S. customers to pay directly from their bank account — no credit card needed. As a Shopify store owner, offering ACH can help you lower fees, earn more on every sale, and make it easier for customers to check out.
But Shopify doesn’t support ACH by default. That’s where EasyPie Checkout comes in.
Why Accept ACH Payments?
ACH is like a bank-to-bank wire, but cheaper, safer, and built for online businesses.
💰 Lower Fees – No credit card or interchange fees
🔒 Secure & Regulated – Backed by U.S. banking rules (Nacha)
🔁 Great for Subscriptions – Ideal for recurring payments
🏦 Preferred by B2B Customers – Many businesses prefer to pay directly from their account
Whether you sell high-ticket products, digital subscriptions, or services, ACH gives your customers more flexibility — and helps you keep more of your revenue.
What Is ACH and How Does It Work?
ACH payments electronically move money between bank accounts using the U.S. Automated Clearing House network. These transfers are commonly used for:
Direct deposits (payroll, Social Security)
Bill payments (utilities, rent, loans)
Business-to-business (B2B) transactions
Online payments and recurring subscriptions
With ACH:
The customer agrees to pay by bank transfer.
Their bank account is securely linked via Stripe.
The transaction is processed and funds are deposited into your account.
If anything goes wrong (like insufficient funds), Stripe helps manage the process.
ACH transfers are reliable, inexpensive, and widely used in the U.S.
ACH with Stripe: Easy, Safe, and Smart
Stripe supports ACH debits directly and offers these benefits:
✅ Bank Account Verification – Customers log in or confirm with micro-deposits
⚡ Fast Payouts – Funds typically arrive within 2 business days
🔐 Dispute Handling – Stripe manages ACH disputes and notifies you of any issues
🔗 Financial Connections – Seamlessly collect and verify bank info
Stripe makes ACH work well, but Shopify doesn't natively support it. That's where EasyPie makes all the difference.
What Is EasyPie Checkout?
EasyPie Checkout is a simple Stripe-powered checkout overlay that brings full ACH support to Shopify and it works with your existing store.
🧩 Works with any Shopify theme
🌐 Supports ACH, SEPA, iDEAL, Bancontact & more
💡 No hidden fees or commissions
🛒 Handles one-time & subscription payments
Want to see it in action?
👉 Try the live demo at https://easypie.dev
Why Use ACH on Shopify with EasyPie?
Using ACH helps:
🏷️ Lower your payment processing costs
📈 Increase trust with high-value and recurring customers
🧾 Improve cash flow on B2B and high-ticket transactions
♻️ Reduce failed payments and chargebacks
Use EasyPie to accept ACH even if your Shopify plan or theme doesn’t allow custom checkouts.
Common Questions
Q: Is ACH secure for my store and my customers?
A: Yes. ACH is heavily regulated, encrypted, and used by major institutions. Stripe adds another layer of fraud prevention.
Q: What happens if a payment fails?
A: Stripe handles returns and notifies you instantly.
Q: Can I use ACH for subscriptions?
A: Yes. EasyPie supports both one-time and recurring payments through Stripe.
Q: How much does this cost?
A: Stripe charges a flat rate (typically 0.8%, capped at $5 per transaction). EasyPie does not charge any commission.
Final Thoughts
ACH payments are an affordable and secure method for U.S.-based Shopify stores to handle high-value transactions, recurring billing, and B2B purchases. With Stripe as the backend and EasyPie Checkout as the Shopify integration layer, you can unlock these benefits easily and start saving on processing fees right away.
💡 For Shopify Store Owners: Use EasyPie Checkout to Add ACH Support
Shopify doesn’t support ACH out-of-the-box, but EasyPie Checkout makes it possible with a fast, Stripe-integrated solution.
Try it now: https://easypie.dev
Learn how to add it to your store: https://easypie.shop/shopify
