Direct Payment for Businesses

Spend less—and increase business

Direct Payment can be used to make and receive payments. With Direct Payment, you can simplify the payment process for you and your customers, and free up time, money and energy to grow your business.


Good for you and good for your customers

By implementing Direct Payment in your business, you can automate your accounts payables by making electronic payments to your vendors and service providers. This can allow for better cash flow management and easier reconciliation and reporting.

Additionally, you can collect payments from your customers electronically: This saves administrative costs, enables more accurate forecasting, and provides your customers with safe, cost-effective and fast payment options that are also good for the environment.

Direct Payment via ACH is ideal for:
• Cash concentration and disbursement
• Charitable donations and recurring gifts
• Consumer bill payments
• Vendor and supplier payments

Keep your business transactions secure

Your Direct Payment transactions are safe: Because money is transferred directly between accounts, Direct Payment is a secure method of sending and receiving electronic payments that reduces fraud and the risk of identity theft.

Calculate Savings


Visit our calculator for a quick estimate of the savings your business can achieve using Direct Payment.

Get Started

Direct Payment via ACH is easy to set up and use. Simply contact your financial institution or payroll provider to set up the service. Most business software packages now include Direct Payment as a standard feature. Once set up, contact your suppliers and service providers directly to authorize the regular electronic transfer of funds, and begin promoting Direct Payment as a new payment option to your customers to help encourage use.


Use these resources to support Direct Payment implementation in your business and to promote this payment option to your customers.

Sample Content

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Consumers pay more than 800 million bills each month using Direct Payment via ACH, so many of your customers may already be using it. Direct Payment is a safe and convenient way to pay and gives your customers choice, flexibility and control over their payments.
As with any new service, there are initial set-up costs, as well as ongoing costs. These costs will seem small once your company begins to realize the savings of Direct Payment via ACH, which can save you $1.50 or more per payment versus paper checks.
Businesses of any size can benefit, and should offer Direct Payment. Customers increasingly expect to be able to pay bills by Direct Payment via ACH.


Your company is required to send a written notice seven days prior to the scheduled date. Many companies select a specific day of the month, and remind customers that if that date falls on a weekend or holiday, payment will be collected on the first business day following that date.
If the customer signs up for recurring Direct Payment and the amount is for a fixed amount, that is specified in the enrollment process. If the amount varies, such as for a utility bill, you are required to notify the customer prior to the scheduled payment date or a dollar range can be specified in the enrollment process, and the customer can waive the notification. If the customer authorizes you to initiate the Direct Payment on your website, the customer enters the payment amount and notification is typically made to the specified customer email address. If the customer initiates the Direct Payment through his or her online bill payment service, the customer specifies the payment amount in that service.
There may be a dip in late fee revenue, but you save in processing and administrative costs. With Direct Payment via ACH, you will pay less for collections and gain a stabilized cash flow. Some companies have leveraged the speed, reliability and flexibility of Direct Payment to allow customers to authorize expedited or same-day payments, helping them avoid negative impact to their credit ratings.