Business payments
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ArticleWhat is an ACH payment? A complete guide
Fiona Lee
Former Content Lead, Ramp
Latest
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How to make an ACH payment in 5 simple steps
An ACH payment is an electronic bank-to-bank transfer through the Automated Clearing House network, used for payroll, vendor invoices, and recurring bills.
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ACH credit vs. ACH debit: What's the difference?
ACH credits push funds from the sender's account; ACH debits pull funds from the payer's account with prior authorization. Both settle in 1–3 business days.
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What is an automatic payment program?
An automatic payment program authorizes recurring payments on a fixed schedule without manual intervention, reducing late fees and processing overhead.
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Electronic payments: What they are and how they work
An electronic payment moves money digitally between accounts using methods like cards, ACH, digital wallets, and wire transfers instead of cash or paper checks.
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What is a payment processor and how does it work?
A payment processor is a service that authorizes, routes, and settles payment transactions between customers and businesses through card networks and banks.
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What is a digital wallet and how does it work?
A digital wallet is software that securely stores payment information and lets you make contactless, online, and in-app payments without physical cards.
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