ACH Payment Overview and Best Practices
Why Choose ACH?
ACH (Automated Clearing House) is a cost-effective alternative to credit card payments, offering direct debit from customers’ bank accounts. While it may not be ideal for all businesses, it can be highly advantageous in specific scenarios:
Key Considerations:
Saving on Fees: ACH fees are significantly lower than credit card fees, potentially saving 2% of your total revenue.
Recurring Payments: ACH works best for businesses relying on recurring transactions.
Access to Funds: ACH transactions typically take longer to process (up to several days) compared to credit cards.
ACH Fees:
PushPress Free Plan: 2.19% + $0.30 per transaction
PushPress Pro Plan: 0.79% + $0.30 per transaction
PushPress Max Plan: 0.79% + $0.30 per transaction
No additional gateway or hidden fees.
Bank account verification is free.
Stripe charges for failed payments ($4) and disputes ($15), deducted directly from your Stripe account.
How to Enable ACH in PushPress:
Enable ACH in the App Store:
Navigate to Apps > App Store > ACH and install it.
Enable ACH for Individual Plans:
ACH is not automatically enabled on plan landing pages. You must turn it on for each plan in the ACH settings.
Set NSF (Non-Sufficient Funds) Fees:
With Credit Card Backup: If an ACH transaction fails due to insufficient funds, the member’s credit card on file will be charged the NSF fee and the original transaction amount.
Without Credit Card Backup: The fee and transaction amount will be retried on the same bank account until successful.
Troubleshooting ACH Payments
Common Issues and Solutions:
Failed Payments: If ACH payments are not processing, try:
Logging out of the app and trying again.
Re-entering the bank details during the next login attempt.
Using an alternative payment method if issues persist.
Setup Problems: If members have difficulty setting up ACH:
Verify ACH is enabled for their specific plan.
Ensure the member's profile is properly linked to a payment processor.
Check that bank account verification was completed successfully.
Administrator Support Options:
Manual Setup: Administrators can manually add bank details to member profiles:
Collect details via phone or during an in-person visit.
Add information through the admin portal.
Enable ACH as the preferred payment option for the member's profile.
Ongoing Support: If issues remain unresolved, contact PushPress support for further assistance.
Tips for Smooth Migration:
Credit Card First: Migrate members to credit cards initially, ensuring all members have plans assigned and the migration process is complete.
Introduce ACH: Enable ACH for plans once migration is done. Offer a discount on plan pricing as an incentive for members to switch to ACH.
Credit Card as Backup: Always recommend having a credit card as a backup to minimize failed transactions and disputes.
ACH in countries other than the United States:
Need More Help?
For further assistance:
Check out other Help Articles.
Use the PushPress Messenger (blue box in your CORE account).
Email us at support@pushpress.com.
About PushPress
PushPress is a gym management software that can help you a lot in managing your gym. We've helped thousands of local gyms streamline and professionalize their businesses with our intuitive, powerful solution for managing fitness facilities - all from the palm of their hands!