Payment methods · Bank
Bank payments at a fraction of card cost.
Accept ACH debits with instant account verification, same-day ACH, and capped fees for large payments. Ideal for B2B invoices, high-ticket purchases, rent, tuition, and subscriptions.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- Capped
- Fee per transaction
- Instant
- Account verification
- Same day
- ACH available
- Auto
- Return handling and retries
What you get with ACH & Bank Transfers on HL Hunt
Instant verification
Customers link their bank in seconds with instant verification, or use micro-deposits.
Capped fees
A low percentage with a per-transaction cap keeps large payments affordable.
Same-day ACH
Faster funds availability for time-sensitive payments.
Recurring debits
Subscriptions, rent, and installments with mandate management.
Return handling
NSF and other returns handled with smart retries and customer notifications.
Real-time rails
RTP and FedNow for instant bank payments where supported.
Turn on ACH & Bank Transfers in minutes.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Enable
ACH is enabled on your account after standard underwriting.
- 02
Present at checkout
Offer bank payment on checkout, invoices, and payment links. Customers link their account instantly.
- 03
Settle and reconcile
Funds settle on standard or same-day timelines with return status streamed to your ledger.
When bank beats card
For large or recurring payments, card fees add up fast. ACH costs a fraction with a cap, which is why B2B, rent, tuition, and high-ticket services default to it. Historically ACH meant slow verification and manual return handling. Instant verification and automated return retries fix both.
What changes
HL Hunt vs a typical processor for ACH & Bank Transfers
| HL Hunt | Typical processor | |
|---|---|---|
| ACH & Bank Transfers setup | Enabled from your dashboard in one click | Separate contract, separate integration |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. ACH & Bank Transfers is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
ACH & Bank Transfers is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up ACH & Bank Transfers today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
ACH & Bank Transfers FAQ
How long does ACH take to settle?
Standard ACH settles in 2 to 3 business days. Same-day ACH is available for eligible payments.
What happens on an NSF return?
The payment is marked returned, the customer is notified, and the Recovery Agent retries on a schedule you control.
Is there a fee cap?
Yes. ACH fees are a low percentage with a per-transaction cap, published on /pricing.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.