What are recurring ACH payments?

Recurring ACH payments are automatic bank-transfer charges on a schedule, instead of charging a card. Pelcro supports recurring ACH in the US and BACS direct debit in the UK, with the mandate collected at checkout.

Does Pelcro support ACH and BACS direct debit?

Yes. ACH covers bank transfers in the US and BACS covers the UK, so subscribers in both can pay from a bank account on a recurring basis.

How is the direct debit mandate collected?

The mandate is collected as part of the Pelcro checkout flow, so the subscriber authorizes future charges when they sign up.

Are bank-transfer fees lower than card fees?

Usually. ACH and direct debit are typically charged as a flat fee rather than a percentage of the transaction, which tends to be cheaper for recurring billing. Check your own rates.

How long does an ACH payment take to settle?

ACH transfers generally settle within a few business days, faster where same-day ACH is available. Pelcro reconciles the payment once it settles.

Can subscribers use bank transfer alongside cards?

Yes. Bank transfer is offered next to cards, wallets and other methods, so each subscriber can pay the way they prefer.

Payment processing · ACH & direct debit

Recurring ACH payments, and direct debit

Let subscribers pay by bank transfer instead of a card: ACH in the US and BACS in the UK, with the mandate collected at checkout and charged on each renewal.

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How recurring ACH works

Set up a bank-transfer subscription

Pick a region. See the mandate Pelcro collects and how the recurring bank charge is set up.

1ChooseThe subscriber picks bank transfer at checkout: ACH in the US or BACS in the UK.
2MandatePelcro collects the direct debit mandate as part of checkout.
3ChargeEach renewal charges the bank account automatically, on schedule.
4ReconcileSettled payments reconcile to the invoice like any other method.

Mandate

ACH debit

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Routing 021000021

Charges: Every renewal
Mandate: Collected at checkout

Settles in a few business days.

Illustrative. Example mandate and settlement, not live data.

Who it's for

Publishers offering lower-fee bank payments for recurring plans
Subscribers who prefer bank transfer over a card
Finance teams cutting card processing fees

Features

What it does

ACH (US) and BACS (UK): Offer bank-transfer direct debit to subscribers in both the US and the UK.
Mandate at checkout: The direct debit mandate is collected as part of the sign-up flow, with no separate paperwork.
Recurring charges: Each renewal charges the bank account automatically, the same way a card would be charged.
Lower processing fees: Bank transfer is typically a flat fee rather than a card percentage, which helps on recurring billing.
One record with cards: ACH and BACS payments reconcile alongside card payments on the same invoice and customer.
Alongside other methods: Offer bank transfer next to cards, Apple Pay, Google Pay, PayPal and manual payments.

Last updated November 9, 2026

FAQ

Frequently asked questions

What are recurring ACH payments?: Recurring ACH payments are automatic bank-transfer charges on a schedule, instead of charging a card. Pelcro supports recurring ACH in the US and BACS direct debit in the UK, with the mandate collected at checkout. See payment processing
Does Pelcro support ACH and BACS direct debit?: Yes. ACH covers bank transfers in the US and BACS covers the UK, so subscribers in both can pay from a bank account on a recurring basis.
How is the direct debit mandate collected?: The mandate is collected as part of the Pelcro checkout flow, so the subscriber authorizes future charges when they sign up.
Are bank-transfer fees lower than card fees?: Usually. ACH and direct debit are typically charged as a flat fee rather than a percentage of the transaction, which tends to be cheaper for recurring billing. Check your own rates.
How long does an ACH payment take to settle?: ACH transfers generally settle within a few business days, faster where same-day ACH is available. Pelcro reconciles the payment once it settles.
Can subscribers use bank transfer alongside cards?: Yes. Bank transfer is offered next to cards, wallets and other methods, so each subscriber can pay the way they prefer.

Get started

Offer bank-transfer subscriptions

Add recurring ACH and BACS direct debit, with mandates collected at checkout.

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