ACHcard™ has developed an infrastructure that bypasses the major card brands and processes payments through an ACH-based payment system, bringing significant savings to the merchants. It brings relief to merchants from the current pricing model of traditional credit/debit card companies while their customers still enjoy the convenience of card payments.  

The ACH Network is a processing and delivery system that provides the distribution and settlement of electronic credits and debits among financial institutions. The National Automated Clearing House (NACHA) is responsible for maintaining and policing the electronic payments network commonly referred to as the Automated Clearing House (ACH).