A look at 3 ways a SaaS business might become an ACH PayFac or ACH Payment Facilitator as well as 4th option.

1. THREE WAYS TO BECOME AN
ACH PAYFAC?

2. LET’S LOOK AT
3 OPTIONS AND EXAMINE A
4TH AS WELL:

3. PARTNER WITH A PAYFAC PLATFORM THAT
OFFERS AN ACH OPTION.
1

4. ESTABLISHED PLATFORM.
TONS OF EXPERIENCE.
PROS
SIGNIFICANT UNDERTAKING
INVOLVING DUE DILIGENCE,
COMPLIANCE AND COSTS.
TYPICALLY MUST BE A FULL BLOWN
CREDIT CARD AND ACH PAYFAC.
WILL NEED STAFFING AND ONGOING
COMPLIANCE.
CONS
LIKELY A BEST FIT IF YOU HAVE A MATURE PRODUCT WITH AN EXISTING BASE
THAT CAN OFFER ROI. YOU NEED PAYMENT REVENUE TO EXCEED COSTS
[SUBSTANTIAL].

5. PARTNER WITH AN ACH PLATFORM THAT OFFERS
SLICK API’S AND THE ABILITY TO EASILY ONBOARD
2

6.  transaction fees
POWERFUL API, ABILITY TO
ONBOARD EASILY. LOW PER
TRANSACTION FEES
PROS
HEFTY MONTHLY FEES OFTEN
PRICE OUT PLATFORMS IN STARTUP
MODE OR HAVING SMALLER USER
BASE.
CONS
BEST FIT WITH ACH ONLY NEEDS AND THE POTENTIAL FOR ENOUGH USERS
TO OFFSET LARGE MONTHLY FEES.

7. LAYER AN ACH MANAGEMENT PLATFORM OVER
YOUR BANK’S ACH PROCESSING CAPABILITIES
3

8. An integration would be done that
connects the ACH platform to your
bank-depending on the bank it may
have been previously done and you
can save time and money.
Once connected you leverage the
ACH platform’s API’s to debit and
credit as needed.

9. LOWER COSTS, MORE FREEDOM
AND FLEXIBILITY
PROS
YOUR BANK HAS TO ALLOW
CONS

10. Best fit when you have strong
relationship with bank and don’t
have a large number of clients
[many hundreds].
In some cases it makes better
sense to partner with a third-party
ACH processor that understands
the ACH network. These may make
a payment partnership an ideal fit.

11. CONTACT US TO
DISCUSS WHAT YOUR
BEST FIT IS.

12. THANK YOU