ACH lets U.S. clients pay directly from a bank account rather than using a payment card.
vcita currently says ACH requires a qualifying setup using either Stripe or Payments by vcita.
That makes ACH another payment method inside the same billing workflow—but with a very different timeline.
ACH Is Slower Than a Card Payment
vcita warns that ACH payments can remain pending for 7–10 business days while processing and may require additional time to deposit after being marked settled.
A pending ACH transaction therefore should not automatically be treated as failed.
Client Checkout
When bank payments are enabled, clients can select Bank Payment during checkout and enter the required bank information in the payment flow.
The business should never ask clients to send bank login credentials by email merely to avoid the normal checkout process.
Settlement Comes Before Payout
The same transaction/payout distinction applies.
A bank payment must first complete processing.
Only then can settlement and eventual deposit occur.
Provider Matters
Because ACH can be delivered through Stripe or vcita’s integrated payment service, processing rules and fees should be checked against the actual provider used by the business.
Why Businesses Use ACH
Bank payments can make sense for:
- higher-value invoices;
- clients that prefer direct bank payment;
- businesses comparing card and bank-processing costs.
The slower timeline should be incorporated into cash-flow expectations.
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