When you're invoicing other businesses, the payment method you accept has a real impact on your margins and your cash flow. ACH and credit cards each have a place, and knowing when to use which can save you a surprising amount.
Where ACH shines
ACH moves money directly between bank accounts, and the fees are typically far lower than card processing. For large recurring invoices, that difference adds up quickly, which makes ACH a natural fit for B2B billing.
The tradeoff is timing. ACH payments can take a couple of business days to settle, so they're best when you don't need funds the same day.
Where cards make sense
Credit cards are fast, convenient, and many of your business customers want to use them to earn rewards or manage their own cash flow. For smaller invoices or when speed matters, accepting cards keeps things moving.
The cost is higher per transaction, so the key is matching the method to the size and urgency of the payment rather than forcing everything down one path.
The best approach: offer both
Most B2B businesses do best by accepting both ACH and cards, then steering larger invoices toward ACH to protect their margins. With the right setup, you can give customers flexibility without giving up your profits.
We can help you set up both payment rails and structure your invoicing so the lower-cost option is the easy default.