While not mandatory, integrating an ACH API is advantageous for applications with recurring payments. Credit card decline rates for recurring payments are typically 15-20%, while ACH declines are much lower. Accepting ACH payments can significantly reduce customer service hours spent collecting new payment details and lower processing costs by thousands of dollars annually for applications with over 1,000 subscribers and a $75 monthly subscription price due to fewer payment declines compared to credit cards.

1. ACH API Integration

2. While an ACH API integration may not be a mandatory requirement for applications
with recurring payments, there are few who would not find integrating to one
advantageous.

3. Applications with a
recurring payments
component commonly
have credit card decline
rates of 15%, with some as
high as 20%. ACH declines
are a fraction of card
decline rates.
Credit card
decline rates of
15%-20% on
recurring
payments

4. Credit cards expire,
are lost, comprised
and are reissued. Bank
accounts are far less
suspect to being
compromised and
they never expire.

5. Few payments being
declined means much less
customer service hours
chasing down new card
data.

6. One of the biggest benefits of
ACH acceptance is the
reduction of processing costs.
An application with an average
of a $75 monthly subscription
price with 1,000 subscribers can
amount to as much as a $15,000
reduction in payment
processing costs annually.
1,000 subscribers
$75 Monthly
subscription
$15,000 annual
cost reduction

7. ACH API
Integration