A checkout box where your customer enters their bank details and approves the payment — one time or repeating. Your own bank collects it. No processor, no percentage, nobody who can hold your money. Give a discount for it if you like — 0 to 90%.
For contractors, landlords, service businesses, consultants, nonprofits — anyone paid on a contract, a deposit, or every month, who is tired of giving 3% to a card company.
Two ways to use it, same price, same box:
A plugin. Upload, activate, enter your bank details, put a shortcode on a page.
One line of code in any code block or embed. No install, nothing to host.
Works with
WordPress · Wix · Squarespace · Square Online · Drupal · Joomla · Shopify · Webflow · Weebly · GoDaddy · Carrd · Ghost · plain HTML · anything with a code block or embed
Wix, Square Online and some others put custom code on their paid plans; if you can add an HTML embed to a page, ACHplug goes in it.
Nine steps, playing by themselves. Pick your kind of site.
[achplug name="What you sell" price="20"]. Any other site: the one line below. That's it. A customer chooses bank, enters their routing and account number, approves, presses Buy. It appears on your Collect page; you download one file, upload it to your bank, and the money lands in your account. Press Received and they get their receipt.<!-- any non-WordPress site: one line --> <script src="https://achplug.com/plug.js" data-name="What you sell" data-price="20"></script>
Three screens. Under two minutes. They never leave your site.
Card price and bank price side by side, with your discount worked out. They press Pay from my bank.
Name, email, routing number, account number. Their bank's name appears as they type. Repeat every month, if you allow it — for 12 payments, until a date, or until they stop. One sentence of authorization. Buy.
Who they paid, at what address, how much, from which account, the reference — and that the receipt comes when it clears.
Every email carries a link to a page that is theirs: every payment they've approved, Revoke on any repeating one, every receipt. No password.
Their account number is encrypted the moment it arrives. You see the last four digits. The full number appears only inside the file your bank reads.
Card processors charge the most for exactly this. It is built in.
A deposit today. A roofing contract in 12 payments. A monthly service. A yearly membership. Switch repeats on in Settings; each payment appears on Collect by itself when it is due.
A one-time gift, or a monthly donor. Donation mode takes the discount off, lets the donor pick the amount, and puts your EIN and the IRS acknowledgment line on every receipt.
They approve once, on your site: every month, for 12 payments, or until a date. Before each one they get an email saying it is coming. Every email has Pause and Stop. Nothing is ever collected that they did not approve, and they can end it without calling anyone.
Charging extra for paying over time makes the sale a credit sale under federal law and needs disclosures; most sellers price the contract once and offer a discount for paying in full instead. That decision is yours — ACHplug handles either.
The box carries no font and no colours of its own. It takes your theme's type and text colour, and four variables set the accent, background, line and corner radius — the WordPress plugin reads them from your theme automatically. Same box, two different sites:
A card processor takes about 3% and 30¢ of every sale. Your bank collecting an ACH payment costs cents, or nothing.
A processor can hold your money for weeks on a complaint you never see. When your own bank collects, it is in your account and it is yours.
A customer approves a repeat once — 12 payments on a contract, or a monthly service — and can pause or stop from the link in every email. Nothing is charged that they did not approve.
Orders, the journal and the authorizations live in your dashboard. Your customers' account numbers are encrypted; you see the last four.
Setting up collection with your bank takes one call. Here is what to say, word for word. · About the coming Automatic option and why we recommend the file.
Every other way to take bank payments on a website puts a card company between you and your money, or leaves you matching deposits by hand.
| ACHplug | WP Simple Pay Pro | Formidable Forms | WooCommerce Direct Bank Transfer | WooPayments / Stripe ACH | |
|---|---|---|---|---|---|
| How the money moves | Customer approves on your site; your bank collects | Stripe pulls (ACH debit) | Stripe pulls | Customer sends it themselves; you match it by hand | Stripe pulls |
| Company between you and your money | None | Stripe | Stripe | None | Stripe |
| Fee per payment | $0 from ACHplug; your bank's ACH cost, often nothing | 0.8% capped at $5, plus $1.50 verification | Stripe's rate plus 3% on the free plan | $0 | 0.8%, cap $5 |
| Software price | $25 once | Paid license — ACH not in the free version | Free with 3% fee, or paid license | Free, needs WooCommerce | Free, needs WooCommerce |
| Can your money be held | No | Yes | Yes | No | Yes |
| Recurring: contract paid off, service kept up | Yes — customer approves once, pauses or stops any time | Yes, through Stripe | Yes, through Stripe | No | Yes, through Stripe + Subscriptions |
| Discount for paying by bank | Built in, 0–90% | No | No | No | No |
| Customer's routing number checked against the Fed directory | Yes | n/a | n/a | No | n/a |
| Sales journal, week/month/year, CSV | Built in | Stripe dashboard | No | WooCommerce orders | Stripe dashboard |
| Works without a store platform | Yes — any page | Yes | Yes | No | No |
| Instant clearing | No — 1 to 3 days | No — 3 to 5 days | No | No | No |
Fees and features as published by each company, September 2026. Full comparison →
$25 once. Pick the one that matches your site. Both get updates for a year and email support from a person.
The plugin zip. Orders, Collect and the Sales Journal live in your own WordPress dashboard. Watch the setup →
One line of code. Orders, Collect and the Sales Journal live in your dashboard at achplug.com. Works anywhere you can paste a script. Watch the setup →
Not sure which? If you log in to a WordPress dashboard to edit your site, take the plugin. If you edit your site anywhere else, take the one line. Email us and we will tell you.