Move money straight from your customer's bank account using ACH, RTP, or FedNow. Lower fees, faster settlement, and no card data on your side.
Every card payment you take costs you money before it even lands. Interchange, scheme fees, gateway fees, and the occasional chargeback fee all chip away at the margin on the sale. On a $1,000 invoice, that can be $20 or $30 you never see.
Then there's the wait. Card settlement usually takes one to three business days, sometimes longer over a weekend or a federal holiday. For businesses running tight on cash flow, that gap between "paid" and "actually in the bank" is painful — and it's baked into how the card networks work.
And the moment you touch a card, PCI DSS applies. You need secure handling, audited systems, staff training, and a compliance program that never really stops. It's the right thing to do for cards, but for a lot of payments it's a lot of overhead for something that doesn't need to be on a card in the first place.
Paytia lets you pull money straight from your customer's bank account using the US payment rails that already exist — ACH for standard debits, RTP through The Clearing House for instant 24/7 settlement, and FedNow for instant payments through the Federal Reserve. Bank accounts are verified via Plaid, authorizations are captured under NACHA rules, and you pick the rail that fits each transaction.
Because there's no card, there's no card network taking a cut. Fees are a fraction of what a card transaction costs, especially on higher-value B2B invoices where interchange really bites. RTP and FedNow settle in seconds instead of waiting days, so your cash flow works the way your business actually runs. And ACH return codes are surfaced straight back into your system, so you can react to an R01 or R10 without digging through bank reports.
Since no card data ever enters your environment, PCI DSS simply doesn't apply to the bank payment side of your business. NACHA's operating rules apply instead, and Paytia handles the authorization records, the WEB and TEL rules, and the dispute timing for you. Most other vendors treat bank payments as an afterthought. We treat them as the cleanest way to get paid when a card isn't the right tool for the job.
One for the web, one for the phone. Same idea underneath: the card network stays out of it.
Pull funds from a verified bank account or send a secure pay-by-bank link. ACH for everyday recurring debits, RTP and FedNow for instant settlement. NACHA-aligned authorization on every transaction. No card network, no card fee, no PCI scope.
Learn moreTake a routing and account number over the phone without your agents or call recordings ever hearing the digits. Perfect for ACH mandate setup, refunds, and supplier onboarding.
Learn moreYou don't have to pick one. A lot of our customers take cards for smaller, everyday transactions and ACH or RTP for higher-value invoices where the card fees really hurt. Paytia handles both, so your team works from a single platform and your customer gets the right payment method for the moment.
No
PCI scope on bank payments
Seconds
RTP and FedNow settlement
Lower
Fees than card payments
99.99%
Platform uptime, PCI DSS Level 1
Moving high-value invoices to ACH cut our processing costs dramatically and customers appreciate not having to read out card numbers. The combination of NACHA-aligned authorization and instant settlement on RTP has changed how we manage cash.
Finance Team Lead
B2B Services Company
We use Paytia for our phone orders to keep credit cards out of our system. The service works flawlessly, the support folks are super responsive and friendly, and it has greatly enhanced our PCI and credit card security.
PHE Inc.
Technology Solutions
Works with your stack
Bank payments sit alongside your existing card gateway — Stripe, Authorize.Net, Braintree, Worldpay — so you can run both without swapping anything out. See the full list on the partners page.
A card payment runs through Visa, Mastercard, Amex, or Discover, settles a couple of days later, and costs you interchange on every transaction. A bank payment moves money straight from your customer's checking or savings account to yours over the ACH network, RTP, or FedNow. The customer authorizes it through a Plaid-style bank connect or a verified account on file. No card network, no card-scheme fee, and on RTP or FedNow the funds settle in seconds.
Yes. Paytia uses Plaid-powered bank account verification so the customer logs into their own bank to approve the connection. We never see their banking credentials. Account and routing numbers are tokenized, and ACH debits run under NACHA's authorization rules — meaning every pull has a documented mandate and the customer keeps their dispute rights.
Not for the bank payment itself. PCI DSS applies to card data — if there's no card, there's no card data to protect, and PCI simply doesn't apply. Most of our customers run card payments and ACH side by side, so PCI still matters for the card side, but the ACH and RTP flows sit entirely outside that scope. NACHA rules apply to the bank side instead.
ACH has its own return-code framework — R01 insufficient funds, R10 unauthorized, and so on — and Paytia surfaces those back to your system so you can react. Returns and disputes are handled bank-to-bank through NACHA rules, which is usually cheaper than a card chargeback. RTP and FedNow are credit-push and irrevocable once sent, so the dispute model is different again — we'll walk you through which rail fits which use case.
Yes. Paytia's Bank Account Capture lets a customer enter their routing and account number on their own phone keypad while they're still on the call with your agent. The digits are masked before they reach the line, so your agent and your call recording never capture the account details. It's the same protection as our card flows, applied to ACH onboarding.
All three. ACH for standard recurring debits and lower-cost batch payments, RTP for instant 24/7 settlement through The Clearing House, and FedNow for instant settlement through the Federal Reserve. We pick the right rail based on what you're trying to do — payroll, refunds, B2B invoices, or one-off consumer collections — and you don't have to learn the plumbing.
See ACH, RTP, and FedNow in action on a flow that fits your business. Lower fees, faster settlement, and no PCI scope on the bank side.
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