{"id":82738,"date":"2025-10-21T12:53:52","date_gmt":"2025-10-21T11:53:52","guid":{"rendered":"https:\/\/invoicefly.com\/?p=82738"},"modified":"2026-02-13T11:24:37","modified_gmt":"2026-02-13T10:24:37","slug":"cada-pago","status":"publish","type":"post","link":"https:\/\/invoicefly.com\/es\/academy\/ach-payment\/","title":{"rendered":"\u00bfQu\u00e9 es un pago ACH y c\u00f3mo funcionan las transferencias ACH?"},"content":{"rendered":"\t\t
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In order to run a business smoothly, you need to keep your finances organized and efficient. ACH payments are electronic transfers made through the Automated Clearing House network which make it possible to send and receive money directly between bank accounts without relying on paper checks or card payments. They’re fast, secure, and cost-effective, helping businesses simplify payroll, send money to suppliers, and collect payments from customers easily.<\/p>\n\n\n\n

In this 2025 guide, we’ll explain how ACH payments work, why understanding them matters for your business, and how you can get started using them to save time, cut costs, and improve your cash flow.<\/p>\n\n\n\n

Need a payment processing solution for your small business? Try <\/strong>Invoice Fly’s Invoicing Software<\/strong><\/a>!<\/strong><\/p>\n\n\n\n

\"business<\/figure>\n\n\n\n

What is the Automated Clearing House (ACH) network?<\/strong><\/h2>\n\n\n\n

The Automated Clearing House (ACH) network is the electronic system that moves money between U.S. bank accounts. Think of it like a digital highway for payments. Instead of writing paper checks or carrying cash, you can send money electronically through this network.<\/p>\n\n\n\n

Nacha<\/a> (the National Automated Clearing House Association) runs the ACH network. They set the rules that all banks, credit unions, and businesses must follow when processing ACH transactions. The actual work of moving money happens through two ACH operators: the Federal Reserve<\/a> and The Clearing House<\/a>.<\/p>\n\n\n\n

The ACH network is huge. According to Nacha’s 2025 statistics<\/a>, the network handled 8.7 billion payments worth $23.3 trillion in just the second quarter of 2025. The ACH network runs 23\u00bc hours every business day and moves money between banks four times daily.<\/p>\n\n\n\n

What are ACH payments?<\/strong><\/h2>\n\n\n\n

ACH payments are electronic money transfers that move through the ACH network. Instead of handing someone cash or mailing a check, the money moves directly from one bank account to another electronically. This payment method has become essential for both individuals and businesses managing their finances.<\/p>\n\n\n\n

There are two main types: <\/p>\n\n\n\n

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  1. ACH credits<\/strong> (where you push money to someone, like when your employer deposits your paycheck)\u00a0<\/li>\n\n\n\n
  2. ACH debits<\/strong> (where someone pulls money from your account with permission, like when you pay a monthly bill).<\/li>\n<\/ol>\n\n\n\n

    Common uses of ACH payments<\/strong><\/h3>\n\n\n\n

    Understanding where ACH payments fit into daily life helps you see why they’re so popular. People and businesses use ACH transfers for lots of everyday transactions:<\/p>\n\n\n\n