Accept ACH at checkout alongside cards and 56 crypto assets. No processor account, no chargebacks, and funds move direct between bank accounts.
Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.
The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.
Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.
From signup to settled order.
Sign up at U.CASH Pay and create a checkout that offers ACH alongside cards and crypto.
Fill in the account number, routing number, bank name, and account holder buyers should pay.
The buyer initiates the ACH transfer from their own banking app and includes the unique payment reference shown on the invoice.
Watch for the arrival in your bank feed, match the reference in Payments, and mark the order paid. Orders hold for 30 days.
U.CASH charges nothing on the ACH rail. Senders pay whatever their bank charges for ACH, which at most U.S. institutions is zero. Settlement is not instant: ACH batches clear on banking days, so confirm the arrival in your bank feed before releasing goods.
ACH runs as a manual rail: the buyer initiates the transfer against your published coordinates and includes the per-order payment reference, which is what makes the reconciliation one click rather than a hunt. Settlement lands in the rail's own window, which the fees and settlement section states; there is no processor in the middle to wait on. That directness is also the operational trade: the rail sees a plain transfer, so the reference discipline is what keeps reconciliation mechanical.
The currencies ACH settles, USD, also exist on-chain where peg families trade: settle the same corridor as a token, non-custodial, final on confirmation, at network fees instead of rail fees. Buyers choose their rail; your ledger sees the same currency either way. The operational difference worth planning around is reversal: the crypto leg settles finally with no dispute window, which suits invoices and known customers, while the traditional rails keep the protections and processes their buyers expect.
United States. Manual rail.
United States. Manual rail.
United States. Automatic and manual flows.
United States. Manual rail.
Offer it beside cards, crypto, and every other rail on one non-custodial checkout.