Let your customers pay by ACH bank transfer.

ACH payments are a simple, secure way for customers to pay your business through Square Invoices.

How ACH payments work.

Getting paid by bank transfer without using paper checks or credit cards is as simple as 1, 2, 3.

1. Enable ACH

Create a new invoice and enable ACH payments for your customers as a payment option.

2. Collect payment

If a customer chooses to pay via ACH bank transfer, they will be directed to a safe and secure portal to log onto their bank and select an account for payment.

3. Receive funds

Once a customer pays the invoice via bank transfer, the funds will be in your Square account in three to five business days.

Give your customers another way to pay.

Offer your customers a simple, secure electronic payment method through Square Invoices that lets them avoid sending a paper check through the mail.

ACH payments save time, money, and reduce stress.

ACH bank transfers through Square are a simple, secure, and cost-effective way to get paid from anywhere.

  • Reduce your costs

ACH payments through Square are less expensive than credit card transactions and don’t charge you any hidden fees for failed transactions.

  • Protect your business

No need to collect or provide banking information on your own, Square can collect it through our secure payment network to help protect both parties.

  • Get more time back

No more collecting and depositing checks—you’ll get access to funds in your Square account in three to five business days. With a Bank on File, you can collect and save customers’ bank information to automatically bill on a recurring basis.


Processing rate


Per ACH transaction
Minimum fee of $1 per transaction

Monthly fee


Per month

Start using ACH payments through Square Invoices today.