ACH vs. Wire vs. Credit Card: What’s the Best Way to Accept Large Payments?

When it comes to large ticket transactions, not all payment methods are created equal. The wrong choice can eat into your margins, delay settlements, or frustrate your clients.

Here’s a quick breakdown:

• Credit Cards are convenient but come with the highest fees.
• Wire Transfers are fast and secure, but expensive and not always ideal for recurring payments.
• ACH Transfers are cost-effective and reliable for large, regular payments.

What’s Best for You?

• B2B SaaS or services? Go ACH.
• High-volume ecommerce? Consider credit cards + Level III data.
• Urgent, international deals? Wire may still have a place.

Optimize by offering multiple methods and incentivizing clients to use the most cost-efficient option.

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