DoshFunding

Payment solutions

ACH payment processing

Move money bank-to-bank with lower fees than cards and less drama than checks. Ideal for invoices, subscriptions, and operators who want cash flow they can forecast.

Get an ACH review718-500-DOSH

ACH payments

Get an ACH setup review

Recurring debits, lower fees than cards, and predictable settlement. Share your volume and how you bill.

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Lower

Typical cost vs card

Batch

Predictable funding

ACH + card

Hybrid checkout

Ops

Less manual chasing

Exact timing and pricing depend on your processor, risk review, and SEC code. We’ll map what applies to your file.

Where ACH wins

Product businesses free up cash when they are not fronting inventory on card fees and slow checks. Service businesses get paid on a defined cadence without someone holding card funds in limbo. If you still take cards at the counter, ACH is usually the complement, not the replacement.

Program themes

Faster, cleaner settlement

Skip check float and manual reconciliation. ACH batches land on a rhythm you can plan around.

Recurring without the busywork

Automate pulls from customer bank accounts for memberships, rent-style billing, or retainers.

Exceptions you can act on

Returns and rejects surface with enough context to fix the issue with your customer quickly.

Better economics than cards

When the use case fits, ACH often beats card fees, especially on larger or repeat tickets.

Security-minded rails

Encryption and processor controls reduce exposure versus storing card data everywhere.

More ways to say yes

Offering bank debit alongside cards removes friction for buyers who prefer not to use plastic.

Solutions by industry

Coverage across how you actually sell

ACH complements card and online channels, especially where customers trust you enough to authorize a bank debit.

Retail

Stores, boutiques, and multi-SKU operators

  • Countertop and mobile terminals with EMV and contactless
  • Inventory-heavy seasons and omnichannel card-present flows
  • Cash discount or compliant dual pricing when ticket mix supports it
  • Gift cards, store credit, and reconciliation with your POS

Restaurants

QSR, full service, bars, and catering

  • Tip adjust, bar tabs, and fast guest checkout
  • Kitchen display and handheld pay-at-table paths
  • Online ordering handoff to the same merchant ID where possible
  • ACH for catering contracts and B2B meal programs

Hospitality

Hotels, venues, and guest services

  • Card-not-present deposits and authorization holds
  • MOTO and emailed invoice links for groups and events
  • Multi-department reporting and property-level MCC clarity
  • Capital for renovations, FF&E, and seasonal staffing swings

Automotive

Dealers, repair, detail, and fleet services

  • Large-ticket repair and parts with proper card-present flags
  • Recurring payments for service plans and fleet accounts
  • ACH for wholesale parts and vendor pulls where it fits
  • Working capital aligned to inventory and service bays

Personal care

Salons, spas, fitness, and wellness

  • Memberships, packages, and card-on-file with updater-friendly flows
  • Low-friction tips and add-on sales at checkout
  • Online booking deposits that match your risk profile
  • Expansion financing for second locations or equipment

Professional services

Medical, dental, legal, accounting, and consulting

  • Healthcare-style practices often need tighter data-handling conversations. We align gateway choices with what your counsel requires
  • Recurring retainers and client payment plans
  • Level II/III style data when your processor and MCC support it
  • Practice growth and equipment alongside acceptance

Home services

HVAC, plumbing, electrical, and contractors

  • Field mobile swipers and text-to-pay invoice links
  • Progress draws and milestone billing on larger jobs
  • ACH for commercial GC relationships and net-term customers
  • Job materials and payroll smoothing via working capital when eligible

Nonprofits

Donations, events, and recurring giving

  • Donation pages, hosted pay links, and event checkout
  • Recurring gifts with dunning-friendly retry patterns
  • Transparent effective rates so boards see full cost of card giving
  • Grant or program timing support through capital partners when appropriate

Free resources

Learn before you commit

Short explainers and calculators to help you read a statement, compare options, and ask better questions — no sign-up required.

Learning CenterMoney, cards, ACH, and funding — plain English

Stack with the rest of Dosh

Pair ACH with card processing and ecommerce capture. Need working capital while we tune rails? Say so in the lead form below and we will coordinate both tracks (you can also start from the funding links in the site footer).