Checkissuing ACH EFT Transfer, ACH Payments, and E-Check Services

Send ACH EFT payment transfers quickly and securely using Checkissuing’s ACH payment processing platform. Our system supports ACH payments, direct deposit transfers, and electronic disbursements through a secure ACH Payment Software Administration System or API automation. Simply provide the routing and account number of the destination ACH account—or the recipient’s email address—and we will initiate and process the ACH EFT direct deposit on your behalf. Our ACH payment services remain among the most robust and reliable options compared to other ACH payment processing companies.

ACH Automation: Payment Services You Can Trust

At Checkissuing, we take deep pride in our forward-thinking approach to building a secure, reliable ACH payment processing and transfer platform for our clients. Our focused approach to ultra-strong security, the methodology behind our Smooth UX (user experience) System, and our dependable customer service team set us a cut above other ACH payment providers. We maintain rigorous quality control standards to ensure each client is fully satisfied with their ACH payments and overall payment services.

Available under the Checkissuing or ACH Transfers brand, our platform ensures that when you’re moving large sums of money, you can trust your payout processor. Checkissuing removes uncertainty with state-of-the-art security, an affordable model with no monthly minimums, and flexible ACH payment solutions. Checkissuing is SOC II / SSAE 16 Type II audit certified, HIPAA compliant, and our systems are securely hosted on Amazon Web Services (AWS).

Fast & Easy Set-up ACH Automation Process

Send ACH EFT payments — also known as ACH payments, eChecks, or electronic checks — directly from your own accounts

24/7 access to our ACH software administration system or API for full ACH payment processing capabilities

Direct access to our development team for ACH EFT integration assistance

SOC II / HIPAA compliant — the high level of security you need when evaluating ACH payment service companies

Utilize instant setup options for faster onboarding

No monthly minimums — a rarity among ACH payment processing providers

How Checkissuing’s ACH Automation Services Work

Using Checkissuing’s ACH EFT Payment Software System, clients can upload or send a data file through our API. The file contains the payee’s name, banking information or email address, and the amount to transfer. Checkissuing verifies the validity of all data fields to ensure correct character counts, formats, and structures. This level of validation significantly reduces the likelihood that ACH payments (also known as eChecks or electronic checks) will be rejected due to incorrect information.

We will either send the ACH EFT payments directly to your recipients or send an email request containing a link to a secure, branded page where they can enter their routing and account numbers and confirm them.

Once confirmed, the payment is automatically sent — labeled discreetly as “ACH TRANSFERS,” along with your company name. For all future ACH EFT payment transfers to that payee, funds will be sent automatically without any additional steps required.

If a payee needs to update their banking details, they can do so easily through the system. With Checkissuing’s ACH payment solutions, this level of flexibility and automation is a unique advantage not offered by many other ACH form providers or ACH payment processing companies, including those promising full ACH EFT automation.

Why We Are Different Than Other ACH Payment Processing Companies

ACH payment processing as an industry has grown rapidly over the past few years. The pandemic accelerated businesses’ shift toward ACH payments, resulting in ACH B2B payments rising by 33.2% over just the past two years. With this surge, the market saw new payment processing companies emerge at record speed. However, not all ACH payment service companies offer the same level of reliability, security, or expertise.

The team at Checkissuing has deep backgrounds in payments, engineering, development, security, compliance, finance, quality control, and technology. We are not newcomers to a trending cottage industry. Our team is experienced, knowledgeable, and passionate about ACH payment processing and how these services support businesses across a wide range of industries.

Supported by a resolute operational team, dedicated customer service staff, and an innovative development group, Checkissuing delivers modern, scalable solutions for ACH payments and statement processing. Our technology-first approach allows us to offer state-of-the-art ACH payment solutions designed for accuracy, speed, and long-term reliability.

We also take pride in going a step further than many other ACH payment processing companies. Below are several ways Checkissuing’s services exceed industry norms:

Security – Checkissuing is SOC II / SSAE 16 Type II audit certified — the highest service level attainable for a virtual server hosting company. We are HIPAA compliant, and our systems are hosted on Amazon Web Services (AWS), which supports more security standards and compliance certifications than any other major cloud platform. This is the same infrastructure the NSA (National Security Agency) uses to protect its data, ensuring your ACH payment processing is handled with unmatched security.

Service options and solutions – We provide a robust suite of payment services, including digital checks, ACH payments, and advanced integrations with full technical support. Whether you need simple ACH transfers or an automated ACH payment workflow, our platform is built to scale with your business.

No monthly minimums – We do not charge processing fees or monthly minimums — a rare advantage among ACH payment processing companies. Whether you send one ACH payment or hundreds, your cost stays the same, making Checkissuing one of the most affordable options for ongoing or occasional ACH transfers.

Unique features and automation – Automate payments through the Checkissuing API for streamlined ACH workflows. Payees can securely update their banking information without sharing sensitive data directly with your team, reducing compliance risks. Clients also have access to a wide range of features and add-ons that allow them to customize their ACH payment processing experience.

What To Look For In an ACH Payment Processing Company

There are many ACH payment companies on the market that charge high fees and offer very little in terms of real customer service or technical support. Before signing up with a competitor, consider the following attributes that define a trustworthy and effective ACH payment processing company.

Multiple payment options – You should be able to choose the payment services you want to offer your payees — without unnecessary fees, restrictions, or limitations. A strong ACH payment processing provider will support a wide range of disbursement methods, including ACH payments, digital checks, and automated workflows.

Affordability – Are there startup fees? Monthly minimums? Processing fees? Banking fees? All of these can add up quickly, making it difficult and costly to send ACH payments online. Look for transparent, predictable pricing that doesn’t penalize you for how often you use the service.

Security – With banking fraud and cyber threats on the rise — especially in areas involving ACH payment processing — you need to trust that your provider is protecting sensitive financial data. Your processor should offer strong encryption, compliance certifications, secure data handling, and proven protection against unauthorized access.

Customer service – Many companies outsource their customer service, but what support are you really getting? Consider how accessible support is during onboarding, integration, troubleshooting, or future concerns. Reliable ACH payment processing requires knowledgeable representatives, not outsourced call centers.

Industry expertise – Some smaller companies may claim that your business is so niche that only they can support you. While industry familiarity is helpful, experience in ACH payments, secure infrastructure, access to funds, and operational reliability matter more. Look for honest, helpful, and accessible customer service backed by proven ACH payment experience.

Secure Encrypted Administration System

Our administration system and/or API allows you to securely upload and process bulk or single electronic ACH transactions, access detailed reports, set role-based permissions, and much more — all instantly from your mobile device, desktop, or tablet. From invoice processing and approval to scheduling payments and running reports, the dashboard gives you the power to process thousands of ACH payments with just a few clicks. ACH EFT payments (also known as eChecks or electronic checks) are remitted using your chosen payment method without requiring additional portals or logins. Sending and managing ACH payments has never been easier, especially when paired with our automated ACH form and ACH payment processing capabilities.

Upload your CSV files online to be processed through our Secure EV-SSL 128-bit encrypted file upload system or automatically through our modern API. With robust security protocols verified through our SOC audit, you can rest assured that your financial information remains protected. As one of the most secure ACH payment processing companies in the industry, Checkissuing ensures your transactions, data, and payee details are always handled with the highest level of security.

Sub-accounts and Funding Sources

Document Integrity

Checkissuing can support multiple bank accounts under a single primary account. This allows you to manage all of your funding source accounts — or your clients’ accounts — with just one login. Using our ACH EFT payment software, you can send ACH payments, also known as eChecks or electronic checks, from each bank account simply by designating the appropriate funding source within your CSV file or through the API. This gives you full flexibility in how you initiate and route ACH payment processing across different accounts or business units.

Partnering with Plaid, we offer instant bank account authorization and the ability for you to pass us your Plaid token for seamless, secure systems integration. This ensures fast account verification, reduces friction during onboarding, and enhances the integrity of your ACH documentation and payment workflows.

Benefits That Make ACH Transfer Services and Electronic Check Payments Easier Through Checkissuing:

Secure Financial Data – No need to store your payees' financial information — we handle that for you using state-of-the-art, industry-leading security. Our infrastructure protects sensitive banking data throughout the entire ACH payment processing workflow.

Payment Velocity – Send up to 10,000 ACH EFT payments at once with just a few clicks, or set up automated ACH transfer services to process payments seamlessly in the background. High-volume ACH payments are managed efficiently and securely, without manual intervention.

Bank Independent – Our platform works with all U.S. banks and credit unions. There’s no need to change or disrupt existing banking relationships to use our ACH transfer services — we integrate cleanly into your current financial setup.

Branded Experience –Maintain your company branding and user experience while leveraging our robust ACH payment software and technology. Your payees interact with a professional, branded interface while we manage the secure processing behind the scenes.

Scalable Infrastructure – Our tested, high-availability platform scales alongside your organization, supporting increasing ACH payment processing needs without performance issues. Whether you process hundreds or tens of thousands of transactions, the system grows with you.

Features and Options

Same-Day, Next-Day, or Standard ACH Transfers - Choose Same-Day, Next-Day, or Standard ACH electronic check transfers. Payments can be expedited by preloading funds or processed using the standard 3-business-day ACH transfer timeline — giving you full control over how quickly your ACH payments move.

Workflow management –Set up approval workflows effortlessly by assigning approval tiers for different payable ranges. This helps streamline ACH payment processing and ensures internal controls stay intact.

User Management – Create unlimited users with custom permission settings and optional two-factor authentication. Manage ACH access by department, role, or security level.

Approval Permissions System – Add approvers to any payment. They can review and approve ACH EFT transfers from any device, at any time, making oversight simple and efficient.

Recurring or Future Payments – Schedule ACH EFT payments to run automatically on recurring intervals or set them for future-dated processing. This supports predictable cash flow and removes repetitive manual tasks.

Payee System – Checkissuing’s platform automatically saves payee information so you can send electronic ACH EFT payments instantly when needed — without re-entering details.

Secure Financial Data – No need to store payees' financial information internally. Our secure ACH EFT payment software manages sensitive data using state-of-the-art, industry-leading security protocols — protecting both your organization and your payees during ACH payment processing.

Learn how Checkissuing follows the latest security standards and technological innovations to help businesses set up ACH form automation within their accounts payable workflows. With our electronic check and ACH payment processing solutions, your organization can streamline disbursements, improve efficiency, and securely manage payments at scale. Get your business started with Checkissuing’s ACH form payment processing today.

Frequently Asked Questions

What is ach direct deposit?

In the United States, the Automated Clearing House (ACH) or Electronic Funds Transfers (EFT)” are a convenient, reliable, inexpensive, and commonly used payment method. It requires knowledge of the payee’s bank account and routing transit number, which payees can find looking at the bottom of one of their checks.

Businesses rely on ACH direct deposit transfers for their security and protection and as a way to automate their Accounts Payable processing to reduce costs. ACH payments are used by businesses for invoice and payment processing, by vendors to accept payment, and by online companies or vendors to accept or, in our case, send electronic payments to customers.

ACH direct deposit transfers process within a few business days but offers a higher level of protection than many other payment methods. In addition to fraud protection, using this method means you can stop or alter your payments through the ACH Network even after sending the funds. If your business sends incorrect information, you can review and stop the transaction, giving you tighter control over your funds.

Many businesses still have outdated and inefficient methods of accepting, processing, and posting called-in, mailed-in, and even in-person payments from their customers. Using the Checkissuing ACH Direct Deposit Processing Service can efficiently resolve these issues.

How secure are ach direct deposit transfers?

ACH transfers are considered to be one of the safest and most reliable payment systems available, according to NACHA, the governing body that oversees the ACH network. All ACH Network payments are protected under federal law in case of fraud or error, meaning your business’s funds are kept safely in your control. The high level of security and control that the Checkissuing system offers accounts for the growing number of businesses relying on it as their primary payment method

How common is ach and ach fraud?

In 2022, pretty much everyone has made an ACH transaction at some point. Unfortunately, as more people and businesses begin moving money this way, more criminals have also started using the Network to defraud innocent individuals and steal money directly from their checking accounts. That’s why it’s imperative to keep your banking information secure and only work with reputable ACH companies to handle your payments.

What is an ACH payment?

An ACH payment is a digital bank-to-bank transfer processed through the Automated Clearing House network. It includes both ACH credits (sending money) and ACH debits (pulling money). ACH payments are commonly used for payroll, vendor payments, online bill pay, and recurring transfers because they are cost-effective and secure.

How does ACH payment processing work?

ACH payment processing works by transmitting payment instructions through the ACH network rather than through paper checks or card networks. A business submits payment data (such as routing and account numbers), the ACH operator validates it, and the receiving bank posts the funds to the recipient’s account. With Checkissuing, this workflow is automated, secure, and fully API-driven for speed and accuracy.

Is there a difference between ACH and direct deposit?

Direct deposit is a type of ACH payment — specifically an ACH credit. ACH is the broader system that handles many types of electronic transfers, including bill payments, vendor payments, refunds, recurring charges, and payroll. In other words, all direct deposits are ACH payments, but not all ACH transactions are direct deposits.