{"id":14375,"date":"2025-09-16T19:57:12","date_gmt":"2025-09-16T19:57:12","guid":{"rendered":"https:\/\/excelwhitepapers.com\/insights\/?page_id=14375"},"modified":"2025-10-14T17:19:18","modified_gmt":"2025-10-14T17:19:18","slug":"a-modern-guide-to-ach","status":"publish","type":"page","link":"https:\/\/excelwhitepapers.com\/insights\/a-modern-guide-to-ach\/","title":{"rendered":"A modern guide to ACH"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"14375\" class=\"elementor elementor-14375\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d170a55 e-flex e-con-boxed e-con e-parent\" data-id=\"d170a55\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03fe971 elementor-widget elementor-widget-spacer\" data-id=\"03fe971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5657e6 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d5657e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">A modern guide to ACH<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c426cf9 animated-fast elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"c426cf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sponsored by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d71809a animated-fast elementor-invisible elementor-widget elementor-widget-image\" data-id=\"d71809a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"140\" height=\"53\" src=\"https:\/\/excelwhitepapers.com\/insights\/wp-content\/uploads\/2025\/09\/Plaid-Logo.webp\" class=\"attachment-large size-large wp-image-14221\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c03feed e-flex e-con-boxed e-con e-parent\" data-id=\"c03feed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c44936 e-con-full e-flex e-con e-child\" data-id=\"9c44936\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f12607 elementor-widget elementor-widget-image\" data-id=\"4f12607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"612\" height=\"792\" src=\"https:\/\/excelwhitepapers.com\/insights\/wp-content\/uploads\/2025\/10\/Asset-ACH-Whitepaper.webp\" class=\"attachment-large size-large wp-image-16603\" alt=\"\" srcset=\"https:\/\/excelwhitepapers.com\/insights\/wp-content\/uploads\/2025\/10\/Asset-ACH-Whitepaper.webp 612w, https:\/\/excelwhitepapers.com\/insights\/wp-content\/uploads\/2025\/10\/Asset-ACH-Whitepaper-232x300.webp 232w\" sizes=\"(max-width: 612px) 100vw, 612px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0525b2 elementor-widget elementor-widget-spacer\" data-id=\"e0525b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0955f80 elementor-widget elementor-widget-text-editor\" data-id=\"0955f80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ACH offers significantly lower payment costs compared to credit cards. But just like any other payment rail, you need the right approach to get its benefits. Download this whitepaper, to learn:<\/p>\n<ul>\n<li>What ACH is, how it works, and why today\u2019s leading companies use it<\/li>\n<li>How to implement ACH and create new financial opportunities for your business<\/li>\n<li>How to understand and minimize your risk with ACH<\/li>\n<\/ul>\n<p><strong>Get up to speed with this report from Plaid. Find out why today\u2019s biggest fintech apps are incorporating ACH, and how to use it to win more customers, increase your margins, and build brand loyalty.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d7b900 e-con-full e-flex e-con e-child\" data-id=\"5d7b900\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1652d3b elementor-widget elementor-widget-wpforms\" data-id=\"1652d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style id=\"wpforms-css-vars-elementor-widget-1652d3b\">\n\t\t\t\t.elementor-widget-wpforms.elementor-element-1652d3b {\n\t\t\t\t--wpforms-field-border-radius: 10px;\n--wpforms-button-border-radius: 10px;\n\t\t\t}\n\t\t\t<\/style><div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-14408\"><form id=\"wpforms-form-14408\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"14408\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/insights\/wp-json\/wp\/v2\/pages\/14375\" data-token=\"e37e0cf9af48ae17f492a6f89a6aa470\" data-token-time=\"1776488435\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-field-container\"><div id=\"wpforms-14408-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label\" for=\"wpforms-14408-field_2\">Email <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-14408-field_2\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][2]\" spellcheck=\"false\" aria-errormessage=\"wpforms-14408-field_2-error\" required><\/div><div id=\"wpforms-14408-field_3-container\" class=\"wpforms-field wpforms-field-layout\" data-field-id=\"3\"><div class=\"wpforms-field-layout-rows wpforms-field-large\"><div class=\"wpforms-layout-row\"><div class=\"wpforms-layout-column wpforms-layout-column-50\"><div id=\"wpforms-14408-field_4-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"4\"><label class=\"wpforms-field-label\" for=\"wpforms-14408-field_4\">First name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-14408-field_4\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][4]\" aria-errormessage=\"wpforms-14408-field_4-error\" required><\/div><\/div><div class=\"wpforms-layout-column wpforms-layout-column-50\"><div id=\"wpforms-14408-field_5-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"5\"><label class=\"wpforms-field-label\" for=\"wpforms-14408-field_5\"> Last name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-14408-field_5\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][5]\" aria-errormessage=\"wpforms-14408-field_5-error\" required><\/div><\/div><\/div><\/div><\/div><div id=\"wpforms-14408-field_6-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"6\"><label class=\"wpforms-field-label\" for=\"wpforms-14408-field_6\">Company name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-14408-field_6\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][6]\" aria-errormessage=\"wpforms-14408-field_6-error\" required><\/div><div id=\"wpforms-14408-field_7-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"7\"><label class=\"wpforms-field-label\" for=\"wpforms-14408-field_7\">Phone number <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-14408-field_7\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][7]\" aria-errormessage=\"wpforms-14408-field_7-error\" required><\/div><div id=\"wpforms-14408-field_8-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"8\"><fieldset><legend class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">Checkboxes<\/legend><ul id=\"wpforms-14408-field_8\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-14408-field_8_1\" name=\"wpforms[fields][8][]\" value=\"By submitting this form, I confirm that I have read and understood    &lt;a style=&quot;color:#0066C0; 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