Pay ACH-Only Vendors with Your Credit Card
Extend your cash flow by 30-45 days while earning credit card rewards on every business payment
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The Problem Every Business Faces
Your vendors only accept ACH or bank transfers, but your cash is tied up in inventory, receivables, or payroll. You need flexibility, not just another bank transfer.
Cash Flow Crunch
Your vendor needs payment today, but your customer invoices won’t clear for 30 days. Traditional ACH drains your account immediately.
Limited Payment Options
Many suppliers, contractors, and service providers refuse credit cards. They demand ACH or wire transfers only.
Missing Rewards
You’re paying thousands in business expenses but earning zero credit card points, cash back, or travel rewards.
The Solution: Credit Card-Funded ACH Payments
Pay any ACH-only vendor using your credit card. We charge your card and send the ACH payment to your vendor. You get 30-45 days of extra cash flow, earn rewards, and keep vendors happy.
Extend Cash Flow
Leverage your credit card’s billing cycle. Pay vendors today, settle your card balance in 30-45 days.
Earn Rewards
Turn every business expense into points, miles, or cash back. Maximize your credit card benefits.
Pay Any Vendor
Even if they only accept ACH, you can pay them with your credit card. No more payment method restrictions.
Bank-Level Security
PCI DSS compliant, encrypted transactions, fraud protection. Your financial data stays secure.
Simplified Accounting
Consolidate payments on one credit card statement. Easier reconciliation, better expense tracking.
Instant Setup
Connect your credit card in minutes. Start paying vendors the same day. No lengthy approval process.
How It Works in 3 Simple Steps
Connect Your Credit Card
Add your business credit card to the platform. We accept Visa, Mastercard, American Express, and Discover. Takes less than 2 minutes.
Enter Vendor Details
Provide your vendor’s banking information (routing number and account number). Set your payment amount and date.
We Process Everything
We charge your credit card and send the ACH payment to your vendor. You get email confirmation and tracking for every transaction.
Credit Card ACH vs. Traditional Bank Transfer
Feature
Credit Card ACH
Traditional ACH
Cash Impact
✓ Delayed 30-45 days
✗ Immediate deduction
Earn Rewards
✓Points, cash back, miles
✗ No rewards
Processing Speed
✓ 1-3 business days
✗ 1-3 business days
Payment Limits
✓ Up to your credit limit
✗ Limited by account balance
Purchase Protection
✓ Credit card protection applies
✗ No protection
Expense Tracking
✓ Single card statement
✗ Multiple bank transactions
FREQUENTLY ASKED QUESTIONS
What fees do you charge for credit card-funded ACH payments?
We charge a small percentage-based processing fee (typically 2.5-3%) for credit card transactions, plus standard ACH fees (usually $1-2 per transaction). The exact cost depends on your transaction volume and credit card type. All fees are shown clearly before you confirm any payment.
How long does it take for my vendor to receive the payment?
ACH payments typically process in 1-3 business days. Your credit card is charged immediately, and the ACH transfer is initiated the same day. Your vendor will receive the funds within the standard ACH timeline.
Is there a limit on how much I can pay?
Your payment limit is determined by your credit card's available credit. There's no artificial cap on our end. Some businesses process payments ranging from $500 to $100,000+ using this method.
What credit cards do you accept?
We accept all major credit cards: Visa, Mastercard, American Express, and Discover. Both personal and business credit cards work. To maximize rewards, we recommend using a business credit card with high cash back or points earning rates.
Can I schedule recurring ACH payments?
Yes! You can set up recurring monthly, weekly, or custom-scheduled payments. This is perfect for rent, subscription services, retainers, or any regular vendor payment. Once set up, payments process automatically on your chosen schedule.
How secure is this payment method?
We use bank-level encryption and are PCI DSS Level 1 certified (the highest security standard). All payment data is encrypted in transit and at rest. We never store your full credit card number. Our platform is also SOC 2 compliant and undergoes regular third-party security audits.
Does my vendor need to do anything special to receive payment?
No. Your vendor receives a standard ACH deposit, exactly as they would from any bank transfer. They don't need to sign up for anything or change their processes. From their perspective, it's a normal ACH payment.
What happens if a payment fails?
If an ACH payment fails (due to incorrect bank details, for example), we notify you immediately. Your credit card charge is reversed within 3-5 business days. You can then correct the information and resend the payment. We also provide dedicated support to help resolve any issues quickly.
Start Paying ACH Vendors with Your Credit Card Today
Join thousands of businesses using credit cards to extend cash flow and earn rewards on every payment
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