ACH Fee Calculator
Capped fees against uncapped card rates.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
ACH fee
$5.00
capped
The cap is what makes ACH compelling for large payments — a $2,400 invoice costs $5.00 instead of $69.90. Against that, settlement takes days rather than being near-instant, and payments can be returned for insufficient funds up to two days later, or far longer for a disputed consumer debit. A flat $0.50 per transfer is a common alternative structure.
How the ACH Fee Calculator works
ACH is priced with a cap, which is the whole point. A card fee scales forever with the invoice; an ACH fee stops at a few dollars. On large B2B invoices the difference is not marginal — it is the difference between a rounding error and a real cost.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does ACH cost?
Commonly around 0.8% capped at $5, or a flat fee of 25 cents to $1.50 per transfer depending on the provider. Either way it stops scaling, unlike a card fee.
When is ACH clearly better?
Large recurring payments — B2B invoices, subscriptions above a few hundred, rent, wholesale orders. Below about $100 the cap never binds and cards are competitive on convenience.
What are the drawbacks?
Settlement takes days rather than being near-instant, and payments can be returned for insufficient funds up to two business days later. Unauthorised consumer debits can be disputed for far longer.
How do I get customers to use it?
Offer a discount that costs you less than the card fee you avoid, and make it the default on large invoices. B2B customers frequently prefer it anyway once it is offered.