ACH & bank debit fees
Bank transfer · US (ACH), EU (SEPA), UK (Bacs)
Accepting ACH & bank debit typically costs merchants 0.5%-1% + $0.25, often capped at ~$5. ACH (US), SEPA Direct Debit (EU) and Bacs (UK) pull money directly from a bank account. They are dramatically cheaper than cards for large or recurring payments because there is no interchange — typically ~1% capped at a few dollars. The trade-off is slower settlement and a higher failure rate (insufficient funds).
Source: Processor pricing pages. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
ACH & bank debit at a glance
| Type | Bank transfer |
|---|---|
| Typical merchant fee | 0.5%-1% + $0.25, often capped at ~$5 |
| Region | US (ACH), EU (SEPA), UK (Bacs) |
| Settlement | 2-5 business days |
| Chargebacks / disputes | Returns/disputes possible but cheaper than card chargebacks |
| Cheapest for | Recurring billing, B2B invoices and high-ticket payments. |
Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What drives the cost
- Capped fee favors large transactions
- Domestic vs international bank debit
- Failed-payment retry fees
Processors that support ACH/bank debit
Frequently asked questions
How much does it cost merchants to accept ach & bank debit?
0.5%-1% + $0.25, often capped at ~$5. ACH (US), SEPA Direct Debit (EU) and Bacs (UK) pull money directly from a bank account. They are dramatically cheaper than cards for large or recurring payments because there is no interchange — typically ~1% capped at a few dollars. The trade-off is slower settlement and a higher failure rate (insufficient funds). Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What drives the cost of ACH/bank debit for a merchant?
Key cost drivers: Capped fee favors large transactions; Domestic vs international bank debit; Failed-payment retry fees. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Does ACH/bank debit have chargebacks?
Returns/disputes possible but cheaper than card chargebacks
Which processors support ACH/bank debit?
Among the processors we track, GoCardless, Stripe support ACH/bank debit. Compare their full fee schedules on each processor page.
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Last updated: 2026-06-29