How to Accept ACH Payments in WooCommerce [5 Easy Steps]

Want to accept ACH payments in WooCommerce? 

You have landed on the correct page. 

ACH payments offer lower transaction rates, making it an ideal choice of payment for countless customers. Surprisingly, many WooCommerce stores miss out on this cost-effective option simply because they aren’t aware of how easy it is to set up.

Adding ACH payments in WooCommerce is fairly straightforward, especially when we have a plugin like WC Shop Sync. Before jumping into the process, let’s understand ACH payments and the prominent benefits of doing so. 

What Are ACH Payments?

ACH or Automated Clearing House payments are electronic bank-to-bank transfers used in the United States. Instead of processing transactions through credit card networks, ACH payments move money directly between bank accounts via a centralized system governed by NACHA (the National Automated Clearing House Association).

These payments are commonly used for various purposes, including direct deposits, bill payments, recurring subscriptions, etc. 

In eCommerce, especially for WooCommerce stores, ACH payments offer a cost-effective payment solution with lower processing fees and high reliability.

Unlike credit card payments, ACH transfers are not instant. They typically take 1-3 business days to settle. However, it is imperative to remember that regardless of the time it takes to process payments, they are highly secure and ideal for businesses looking to reduce costs and offer more flexible payment options to customers.

Benefits of Accepting ACH Payments in WooCommerce

Despite the delays we discussed in the previous section, ACH payments in WooCommerce can still be game changers for businesses and customers. Here are a few benefits of adding such payment options to your store:

• Competitive edge. As discussed, your competitors might not be accepting ACH payments in their stores, repelling customers who prefer this payment option. You can always gain these customers by offering ACH payments for WooCommerce. 
• Lower transaction fee. ACH payments offer comparatively lower processing costs, helping you save on additional charges.
• Fewer chargebacks. ACH payments typically have fewer chargebacks because they require bank account details and authorization, making them less prone to such frauds.
• Ideal for large amounts. Given the lower transaction costs and higher limits, ACH payments are the way to go for massive business payments.
• Direct bank-to-bank transfers. ACH payments are typically done to and from banks, making it safer and secure for your customers.

How ACH Payments Work in WooCommerce

ACH payments work well in WooCommerce, and as we discussed, you can easily start accepting ACH payments on your WooCommerce store immediately. All you have to do is set up a compatible payment gateway.

It is important to note that not every payment gateway accepts ACH payments. Thus, it’s imperative to choose the payment gateways that support ACH payments in WooCommerce. 

In a nutshell, the best payment gateway for WooCommerce is Square. Due to its ease of use, comprehensive business tools, and flexible solutions for both in-person and online payments, with no hidden fees and a focus on security. 

However, there are more to choose from, such as:

• Stripe
• Paypal
• Authorize net
• GoCardless
• Dwolla
• WooCommerce Direct Bank Transfer (or manual transfer)

After choosing a payment gateway, you would need a merchant account, which is a process that may take anywhere from a few days to a few weeks. 

Alternatively, you can avoid all the hassle with WC Shop Sync, which utilizes the Square Payment Gateway and gets the work done so you can start accepting ACH payments instantly.

So, let’s jump right into it. 

Accept ACH Payments in WooCommerce [XX Easy Steps]

As discussed earlier, we will be using WC Shop Sync to streamline the process.

Step 1: Install WC Shop Sync

First and foremost, head over to your WooCommerce store and install WC Shop Sync. You can easily do that by navigating to Plugins >> Add New Plugin >> Search WC Shop Sync using the search bar.

Step 2: Activate Seller Test Account.

After the plugin is installed, you need to activate your seller test account. You can do this from WC Shop Sync’s settings.

Click on the underlined seller test account. It will take you to a new tab.

The following screen looks like this. Here, enter your login credentials and press Continue.

When done, click the Square Dashboard button to access the dashboard. 

Here is what the dashboard looks like.

Keep this screen open, go to a new tab, and enter your store there.  

Step 3: Connect With Square

Afterward, you will find this violet button with the Square logo that says “Connect with Square.” Click this button.

Upon clicking, you will be redirected to a confirmation screen. Press the “THAT’S MY SITE – REDIRECT ME” button.

Now, if you can see a “Connected!” sign, congratulations! Square has been integrated, and now it’s time for the last step: adding ACH payment. If not, our support team can help. Get in touch with us! 

Step 4: Enable ACH Payment

To do so, click the “Access your Module” button.

Which should lead you to a screen such as the following.

Before enabling ACH payments, it’s necessary to add a Square payment gateway—given that a payment gateway that supports ACH payments is required for the integration.

You can do that by toggling the button in the top right corner of the image. Afterward, jump in the configuration using the “Settings” button, as you can see highlighted in the image. 

Once inside, check the Enable Square checkbox. 

Scroll down until you find Enable ACH Payment, check it as well, and save your progress using the Save Changes button. 

Step 5: Customize ACH Settings From WooCommerce

After saving the changes, head over to WooCommerce settings and switch to the “Payments” tab.

Here, you will see a Square ACH Payment tab. Click the “Manage” button at the end of it. 

Enter the name and provide a small description that the user will see during checkout. For instance, “Pay with your bank account via Square” 

Once again, save progress using the Save Changes button.

Congratulations! Now, you can see the ACH Payment at the checkout.

WC Shop Sync Is More Than Just Synchronization…

WC Shop Sync is loved and used by numerous businesses across industries. It offers a variety of tools and features to help make selling easier and more synchronized throughout your online and brick-and-mortar stores. 

Along with ACH payments, you can choose from multiple payment options, such as Google Pay (GPay), Apple Pay, Cash App, or Afterpay. 

Additionally, WC Shop Sync provides more amazing features that help businesses tremendously. Such as:

• Logs of Sync Products: This helps you to track logs of product synchronization.
• Synchronization of Products: This helps you to synchronize products between Square and WooCommerce, so you are always aware of your inventory and stock.
• Order Synchronization [Pro]: This feature automates the process of synchronizing orders between WooCommerce and Square. 
• Save Cards at Checkout [Pro]: Users can save their cards at the time of checkout in WooCommerce and can use them in the future effortlessly. This process reduces friction and helps boost sales.

Get much more with WC Shop Sync Pro! Upgrade to plus.

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