ACH Payment Facilitation

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Where Strategic Payment Partnerships Are Formed
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The ACH Facilitator Debate Why You Should
Consider a Partnership
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An ACH Payment Facilitator, or PayFac allows
a SaaS company to act as a master merchant for
its client base.
The SaaS provider onboards clients via a
non-intrusive application process -- making it
simple for the user base to quickly begin
accepting customer payments. While these
generally are credit card transactions, a new
approach via ACH are growing in popularity.
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There are two primary types of payment
facilitator

• The super facilitator, such as Stripe and
  Paypal.
• The SaaS provider with a web-based payments
  component. Each provides a suite of accounting
  features with embedded payment processing and
  reconciliation as critical components.

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The common payment rail associated with payment
facilitation has been credit cards. Now that ACH
has entered the facilitation space, companies
with a subscription-based model or ones that have
recurring payments needs can benefit from ACH
processing. These benefits include

• Lower processing costs.
• Reduction in credit card declines.
• Having a payment rail option in addition to the
  default
• payment method, which is often a credit card.

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Although there are ACH facilitation options
available, it often makes better sense to
partner with a third- party ACH processor that
understands the ACH network. You can also
leverage ACH merchant application APIs, which
provide fast onboarding for new clients and can
be white labeled for your organization.
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While its certainly not as quick as becoming a
true facilitator, working with a third-party
facilitator can offer long term benefits around
cost reduction, compliance management and revenue
potential. These may make a payment partnership
an ideal fit.
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If you are looking to explore your payment
options contact us at sales_at_AgilePayments.com or
call 888.729.4968.