Payment option · United States

Accept ACH payments

Accept ACH at checkout alongside cards and 56 crypto assets. No processor account, no chargebacks, and funds move direct between bank accounts.

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Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.

ACH at a glance

What the buyer sees

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.

How to accept ACH payments

Step 01

Create your checkout

Step 02

Enter your bank coordinates

Fill in the account number, routing number, bank name, and account holder buyers should pay.

Step 03

Buyer sends the transfer

The buyer initiates the ACH transfer from their own banking app and includes the unique payment reference shown on the invoice.

Step 04

Confirm and settle

Watch for the arrival in your bank feed, match the reference in Payments, and mark the order paid. Orders hold for 30 days.

Fees and settlement

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.

Currencies and countries

Related payment options

ACH: FAQ

How long does an ACH payment take?

Most ACH transfers settle in one to three banking days. Same-day ACH exists but depends on the sending bank. The order holds its payment reference for 30 days, so late arrivals still match.

Can ACH payments be reversed?

ACH returns are possible for a limited window after settlement, which is a property of the network, not of U.CASH. Digital goods and authorized transactions are typical use; high-risk sellers should wait for settlement before releasing.

Do buyers need anything besides my account number?

Yes: the payment reference shown on their invoice. It is what lets you match an incoming transfer to the right order when several land the same day.

Get started

ACH, live in minutes

Offer it beside cards, crypto, and every other rail on one non-custodial checkout.

Open U.CASH Pay → Browse payment options