• Did you know?

    85% of all non-cash payments
    are made by ACH / credit/ debit




Collect and send bill payments, subscriptions and
e-commerce transactions directly from U.S. bank accounts.

ACH Payments are fast, simple and secure: not only do they increase the number of ways to accept payments in the U.S., they are cost-efficient, improve cash-flow and help you retain customers for longer.  ACH Same Day also enables fast invoice settlement and collection for businesses and consumers.

NET1´s IPG Group processing systems and industry expertise manage all this seamlessly, allowing you to focus on your business whilst we get you paid.

ach payment processing - nacha 1 - ACH Payments


Open for business

  • Robust appetite for your business model
  • Late cut-off times extend same-day
    ACH window
  • Preferred funding method for many consumers

Powerful payments

  • Increased payment certainty and
    reduced churn
  • Lower transaction costs and fast –
    no paper checks!
  • Powerful reporting and easy reconciliation

Safe & Secure

  • Compliant with strict PCI data security standards
  • Members of NACHA and TPPPA *
  • Fully SOC1 audited and industry compliant

Typical Use Cases

  • Payroll

  • Subscriptions

  • Mortgage & Rental

  • Utility Billing

  • eCommerce

  • Loan Repayments


As an international Group we processing also bank-to-bank transactions
that runs through the central Automated Clearing Houses in the US.

This can be the same day. Increase your customer base by making it easier for those who are without credit or debit cards to make efficient, secure payments.

Payment Types: Direct Deposit & Collection

  • Standard ACH

    Payments settled  ~5 days

  • ACH Same Day

    Payments can be made same day

For a Sales Advisor Call
+49 32 213 000653



Quick and easy access to ACH Payments in the US

Q: What is ACH?

ACH, or Automated Clearing House, is a system created by the Federal Reserve Bank to transfer funds electonically between accounts. ACH can be used for transferring funds between your own accounts, sending or receiving payments with vendors and clients, and even managing large batches of payments with customers.

Q: How does it work?

Requestors or senders submit batched payment requests to Masterpayment. We then submit the requests to the ACH network via our banking partner and these are then sent to the end-point bank. Funds are settled back to Masterpayment for us to settle to the requestor or sender.

Q: Do I need a US Bank Account?

Yes. ACH is currently only available to businesses that have a US entity with a USD denominated bank account

Q: Can payments be rejected?

Yes. There are a number of reasons that payments can be rejected. Each reconciliation file will contain details of rejections for you to remedy.  A full list of rejections can be found in our implementation guide

Q: When do I get paid?

All settlement times are subject to your ACH agreement with Masterpayment.   Settlement is usually received by Masterpayment between 4-5 days after submission for standard ACH.  For Same Day ACH, funds are usually available to Masterpayment the same day, subject to cut-off times

How do I get started?

Contact our sales team now!

ACH – more detail

ACH Payment Processing

With technology moving at such a rapid pace in today’s world, consumers continue to expect more convenient and flexible ways to make payments. ACH payment processing can help with this, making it easier for businesses to expand their base of customers whilst satisfying their need for convenience and flexibility of payments – giving them another fast, easy and secure way for customers to pay.

ACH payment processing, better known as Automated Clearing House, is a federally regulated payment network that is designed to allow financial institutions based in the US to send funds electronically. Governed by the National Automated Clearing House Association (NACHA) and operated by the Federal Reserve and Electronic Payments Network, ACH payments provide an alternative to paper-based and card payments.

How does ACH payment processing work?

ACH payments processing is best thought of as the electronic equivalent of a check. Customers provide details of their bank routing or checking account and authorize the business to withdraw or deposit funds from their consumer account. Transact 24 receives the transactions and is sent electronically through the ACH system.

The types of payment that Businesses use ACH for commonly include direct deposit options for customers or employees, direct loan, rent, mortgage or bill payments, business to business transactions, and even e-commerce payments.

What are the benefits of ACH payment processing?

Masterpayment´s solution offers a wide range of ACH benefits for businesses over an alternative, non-electronic methods of payment methods.

  • Business can increase your customer base by making it easier for those who are without credit or debit cards to make efficient, secure payments
  • Reduce costs of standard and late payments, all whilst improving convenience for your customers with recurring billing and e-invoicing options
  • Save money and time by reducing the hassle and cost of paper-based check processing

Protect your ACH payments from fraud with full-PCI Compliance

Electronic data theft is an increasingly complex problem, making it more and more crucial for businesses to put in place the proper precautions to safeguard themselves and their customers from ACH fraud. Transact24 fully adhere to PCI DSS standards, ensuring our customers benefit from the highest levels of security available to the payments sector, protecting our merchants, business clients and their customers from such fraud.

Find out more about ACH payment processing from Transact24


Key acquisitions and investments that Net1 has made over the last 24 months (Masterpayment, Transact24, Bank Frick 35 % of capital stock) created the foundation for the formation of a genuinely International Payment Group (IPG).

The comprehensive offer consists of Creditcard Acquiring, Alternative Payment Methods, Corporate Accounts/Custody, Treasury FX and Issuing / Card Solutions. As a listed market participant (NASDAQ: UEPS), the group always operate all business on the high regulatory level of the financial supervisory authorities.

As one group, we operate highly critical business processes that place the highest requirements on risk and fraud management as well as on top availability and conversion management, to creating immediate growth with our customers.

The traditional customer portfolio ranges from merchants to digital content and gaming/gambling customers to remittance/financial services.

The International reach with locations in Munich, Liechtenstein, London, Malta and Hong Kong and the regulatory footprint under the license umbrella for banking and eMoney (AEMI Licence in the UK, AEMI Licence in the EU, PI Licence in Mauritius, TPPPA membership and SOC1 Type II compliance in the USA) allow the group to serve all facets of financial business.

*Transact24 Limited is a proud  member of TPPPA  and NACHA


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