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credit cardFor any company that needs an efficient, cost-effective way to handle payments, the Automated Clearing House, or ACH, is great alternative that can lead to more convenience and fewer headaches. Today, it’s an electronic means of fund and payment transfer that be configured to suit your needs, and there are plenty of good reasons to think about using this system, especially if you handle large amounts of money on a regular basis.

It’s Automated

Provided you have the funds, and you know you will always have them when the time comes, this “fire and forget” feature of ACH payment processing saves a lot of time. With ACH, you can automate salaries to employees, making it possible to direct deposit their salary straight into their account without having to always write up the business documentation and distribute a check.

Thanks to the automated nature of ACH, this can be done every month, without needing to “reset” or activate anything, and it leaves a clear, easy to document trail of records for your own financial archives.

It’s Secure

With ACH payments, everything is encrypted, and, unlike the handling of a check, there are far fewer human hands involved in the process and no paper that is left sitting around needing to be processed. ACH payments are safer for everyone and leave a clear trail so that investigations over disputes can be quickly conducted and settled.

It’s Cheaper

The transaction fees for ACH payments are lower than that of credit cards. The reason that ACH is cheaper is because of the “batch processing” technique many ACH systems use, where all monetary transactions are saved until the end of a business day, and then processed into the system all at once.

This is a big difference from credit card or electronic debit transactions that have to occur as and when a card is used, and therefore charge a fee for every single transaction, which adds up if a lot of transactions occur. By doing all the tasks for the day at the end of the day, a lot of speed and efficiency is achieved, which results in a lower cost that is passed to you.

It’s Green

There’s far less paperwork involved in modern ACH systems, since everything is done and recorded digitally. This means less paper for you, which is good both from an organizational standpoint and an environmental one. You save on stamps, envelopes, paper checks, receipts and all the other little bits of paper that are necessary parts of documenting a traditional physical financial transaction.

Posted in ACH, ACH Processing on Jan 19, 2016