ACH Processing
Bank Payments on Cliq's Proprietary ACH Network
Collect invoices, run recurring payments, and disburse funds bank-to-bank through Cliq's proprietary in-house ACH network — with account verification, risk screening, reporting, and reconciliation on the same connected platform as the rest of your payments.
How ACH Works on Cliq
ACH moves money directly between bank accounts. Cliq manages the full journey — authorization, account validation, origination, clearing, settlement, and reconciliation — through its proprietary in-house network, so every bank payment lands in the same dashboard, reporting, and reconciliation workflows as your card activity.
One proprietary network carries every bank payment from authorization to reconciliation
Collect and Disburse on One Platform
ACH works in both directions. Cliq supports money coming in and money going out through the same network, dashboard, and reporting:
Invoice Collections
Collect invoices and larger payments bank-to-bank, with payment links delivered by email or text.
Recurring Payments
Support approved recurring and subscription workflows with secure credential handling.
Disbursements & Payouts
Automate outbound payments — vendor payouts, refunds, and program disbursements.
Split Settlement
Dynamic funding instructions with 2-way ACH splits for platforms that distribute funds across participants.
Built-In Controls
Bank payments carry their own operational risks — bad account numbers, insufficient funds, returns. Cliq builds the controls into the platform:
- Account VerificationValidate account details before origination to help reduce the risk of returns and misdirected payments
- Risk ScreeningConfigurable transaction screening and risk-management workflows where available
- Returns ManagementVisibility into returned items with statuses that flow back into your reporting
- Reporting & ReconciliationACH activity reconciled alongside card activity in the same dashboard
Capability availability depends on the merchant, use case, geography, and current terms.
Why a Proprietary Network Matters
Cliq runs its own in-house network — which means bank payments reporting live on the same platform as your card processing reporting:
- One Platform, One DashboardCard and ACH activity reported and reconciled together or separately but in the same reporting platform — no second portal or vendor to stitch to
- Direct SupportQuestions about an ACH item go to the team that runs the network
- Platform-Ready APIsDocumented APIs and sandbox access for ISVs for embedding bank payments in software
- Partner EconomicsACH as an additional revenue line for ISOs and agents, tracked in the same residual reporting with credit card related services
Where ACH Fits Best
B2B Companies
Large invoices and settlement visibility
ACH collections, payment links, reporting, reconciliation
Property Management
Rent collection and owner payouts
Recurring ACH, disbursements, split settlement
Professional Services
Retainers and remote billing
Payment links, recurring billing, accounting integrations
Nonprofits
Recurring giving programs
Hosted pages, recurring ACH, lower-cost donations
SaaS Platforms
Embedded bank payments
APIs, sandbox, webhooks, recurring workflows
Utilities & Memberships
Predictable recurring payments
Recurring ACH, account verification, returns management
Frequently Asked Questions
What is ACH and when should I use it instead of cards?
ACH moves money directly between bank accounts. It is typically a good fit for invoices, recurring payments, and higher-value transactions where bank-to-bank economics matter more than instant authorization.
Does Cliq run its own ACH network?
Yes. Cliq processes ACH on its proprietary in-house network, so bank payments share the same platform, dashboard, and support team as the rest of your payment activity.
Can I use ACH for payouts as well as collections?
Yes. Cliq supports both inbound collections and outbound disbursements, including 2-way split settlement for platforms that distribute funds across participants. Availability depends on the merchant, use case, and current terms.
How fast do ACH payments settle?
Standard ACH typically settles in one to three business days. Streamlined options may be available to eligible merchants; timing, fees, cutoff times, exclusions, and program requirements apply.
Can ISVs embed ACH into their software?
Yes. Documented APIs and sandbox access support embedded ACH workflows for eligible implementations — see apidocs.cliq.com to get started.
Put Bank Payments on Better Services
Whether you're collecting invoices, running recurring payments, or disbursing funds at scale, Cliq's proprietary ACH network keeps bank payments on the same connected platform as everything else.
Or call us directly at (866) 634-3044