ACH & eCheck Payment Processing ┃ ProTech Payments

Cut Card Fees on Large Invoices with dual pricing and cash discount

Save up to 100%on processing fees

Dual Pricing & Cash Discount

Cut Card Fees on Large Invoices

Pair low-cost ACH and eCheck with dual pricing and you cut both sides of your cost. Big invoices move over ACH for pennies, while card payments post a cash and card price so customers cover most of the fee.

We handle the signage, receipt language, and terminal programming, all compliant with card-brand rules and state law. Card processing runs about 2.3 to 3.5 percent without dual pricing, so the savings add up fast. US-based support and no long-term contracts.

See how much you could save →

ACH & eCheck

Low-cost bank payments for bigger tickets

Card fees add up on large or recurring invoices. ProTech lets you pull payments straight from a customer bank account by ACH or eCheck, at a low flat fee instead of a percentage, with saved profiles and automatic recurring billing for B2B, rent, tuition, and memberships.

You get a secure vault for bank details, scheduled recurring debits, clear reporting, and U.S.-based support that sets it up for you. Lower cost on big invoices, fewer declined cards, and steady cash flow.

Talk to a payments specialist →

Merchant services and point-of-sale payment processing for your business

One platformevery way to get paid

Ways to Get Paid

Accept payments your customers love

Accept every way your customers want to pay with ProTech Payments, from credit cards to digital wallets, all on one secure merchant account.

Credit & Debit Cards

Accept all major credit and debit cards in store, online, and by phone.

Digital Wallets

Take contactless payments with Apple Pay and Google Pay.

ACH & Bank Transfers

Collect low-cost ACH and bank transfer payments directly from accounts.

Mobile Payments

Accept mobile payments anywhere from your phone or tablet.

QR Codes & SMS Links

Let customers pay instantly with a QR code or a secure SMS link.

Recurring Payments & e-Invoicing

Automate recurring billing and e-invoicing with QuickBooks sync.

Start accepting every payment →

All methods included, with no extra setup and no surprise fees.

Pricing options

Choose the pricing that saves you most

Three ways to price your credit card processing. Most ProTech merchants pick dual pricing to recover their fees.

Flat-rate

Simplest setup

One flat rate per sale, simple to read but usually the most expensive option.

✓One predictable rate
✓Easy to understand
✓Best for low volume

~2.6-2.9%effective rate

Interchange-plus

Most transparent

Wholesale cost plus a fixed markup, the most transparent rate for higher volume.

✓Full fee transparency
✓Lower cost at scale
✓Best for mid-high volume

~2.1-2.4%effective rate

★ Most popular 03

Dual pricing

Recover your fees

A cash price and a card price at checkout. Card customers cover the fee, so you recover most of your processing fees.

✓Recover most card fees
✓Cash & card price at checkout
✓No long-term contract

≈ $0net processing cost

See which fits my business →

Not sure? We’ll recommend the best rate after a free statement review.

Why ProTech

The smarter merchant account

As a U.S.-based processor, we pair ACH and eCheck with your card processing so big and recurring payments cost a flat fee, not a percentage, plus saved profiles and support that answers when you call, with no long-term contracts.

✓ PCI DSS Level 1 secure processing with 256-bit encryption
✓ Trusted by thousands of U.S. small businesses
✓ Get approved in days, not weeks
✓ Low transparent pricing with no hidden fees or long-term contracts

Get started today →

Quick Setup

Get approved fast and start accepting credit card payments online.

Flexible APIs

Connect your store with flexible integrations and developer-friendly payment APIs.

Security

Built-in fraud prevention and chargeback management tools, ready whenever you need them.

Support

Real U.S.-based payment support, available 24/7 by phone and email.

What our merchants say

Rated 5.0 ★ from Google reviews by US businesses that trust ProTech with their payments.

★★★★★

“ProTech Payments delivers top-notch service every time! Eddie truly goes above and beyond - his customer service is unmatched. He's knowledgeable, responsive, and makes the entire process smooth and stress-free.”

Cassie Ball · Google review

★★★★★

“Eddie has been an amazing resource as we are learning our new credit card POS system! We are going on a year in our partnership and couldn't be more pleased with the customer service he offers. Highly recommend!”

Tim Smith · Google review

★★★★★

“I've been using ProTech Payments for years now for online transactions and tech deposits for my business, and honestly it's been one of the best payment systems I've worked with.”

Jarex LI · Google review

★★★★★

“Customer service was excellent and will be using them again! Eddy was everything and then some!”

Christian Zenon · Google review

★★★★★

“Great person to work with and always there when you need something or have any issue. Definitely recommend Eddy for any business plan.”

Maynor Rivas · Google review

★★★★★

“Excellent customer service. Would recommend to anybody!”

abed balbeisi · Google review

★ Read all 7 reviews on Google →

How it works

Set up in three simple steps

From your first call to going live, ProTech makes switching payment processors simple.

Send your statement

We review your current credit card processing rates for free, with no obligation.

Set up ACH

We open ACH and eCheck on your account, set saved profiles, and recurring rules.

Start saving

Go live with dual pricing and recover most of your credit card processing fees.

ProTech Payments specialists helping a merchant go live

✓Live in 1-3 daysReal US-based specialists

Start My Free Setup →

No long-term contracts · No obligation

FAQ

Frequently asked questions

Everything US merchants ask before switching their credit card processing to ProTech.

Still have questions?

Talk to a real ProTech specialist, no call centers, no scripts.

Talk to a specialist →

or call (888) 255-0425

What is ACH and eCheck processing?

ACH and eCheck processing moves money directly between bank accounts through the Automated Clearing House network instead of using a card. An eCheck is the electronic version of a paper check, pulling funds from your customer's checking account. This works well for recurring billing, large invoices, and B2B payments where card fees would be high. ProTech sets up ACH through gateways like NMI and Authorize.net, so you can collect payments online or on a schedule without paper handling.

How much does ACH cost compared to cards?

ACH is usually far cheaper than card processing because it uses a flat per-transaction fee rather than a percentage. Where card processing typically runs 2.3 to 3.5 percent, an ACH transaction often costs a small flat fee regardless of the amount. On a 5,000 dollar invoice that difference is significant. The tradeoff is speed: ACH settles in 1 to 3 business days rather than instantly. For recurring and high-ticket payments, the savings make ACH the better choice.

Is ACH good for recurring or B2B payments?

Yes, ACH is well suited to recurring and B2B payments like rent, tuition, memberships, and supplier invoices. You can store a customer's bank details securely and pull payments on a set schedule, which reduces late payments and manual follow-up. Because the cost is a flat fee, ACH is especially strong for large or repeated charges where card percentages would add up fast. ProTech configures recurring ACH billing through your gateway so collections run on autopilot.

Is ACH processing secure?

ACH processing is governed by NACHA rules, which set security and authorization standards for every transaction. Bank account data is encrypted and tokenized in the gateway, so raw account numbers are not stored in your systems. You must keep proof of authorization for each customer, whether a signed form or an online consent record, in case a transaction is questioned. ProTech helps you set up compliant authorization flows so your recurring billing meets NACHA requirements.

What happens when an ACH payment is returned?

An ACH payment can be returned for reasons like insufficient funds, a closed account, or a revoked authorization, each with its own return code. Returns typically post within 2 to 4 business days, and the most common is R01 for insufficient funds. You can usually retry a failed payment, though repeated returns may carry a small fee. ProTech helps you set retry logic and notifications in your gateway so a returned payment does not silently slip through your collections.

How do I set up ACH processing?

Setting up ACH with ProTech usually takes 1 to 3 business days after your application and underwriting are complete. You connect your NMI or Authorize.net gateway, and we configure the payment forms, recurring schedules, and authorization records. There is no long-term contract, so you stay month-to-month. Our US-based support team walks you through testing a live transaction before you go live. Call (888) 255-0425 and we will map ACH to how you actually invoice customers.

Still Overpaying On Card Fees?

ACH and eCheck Processing

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Low-cost bank payments for bigger tickets