Automate ACH payments & enforce compliant surcharge policies to lower payment costs, and streamline cash collection & reconciliation.
HighRadius is recognized as a Leader in the IDC MarketScape for Embedded Payment Applications, validating its enterprise-grade approach to B2B payments within the order-to-cash process. With AI agents automating up to 90% of payment workflows, intelligent interchange optimization, and compliant surcharge management, HighRadius helps enterprises reduce DSO, lower payment processing costs, and scale securely across global payment rails.
Built for high-volume, complex B2B environments, the platform combines embedded payment orchestration with real-time intelligence, delivering measurable outcomes, not just automation.
Discover why IDC recognizes HighRadius as a leader in embedded B2B payments innovation.
Download the ReportHighRadius’s ACH payment solution embeds secure bank transfers directly into your AR workflow to reduce transaction costs, accelerate settlement, improve cash visibility, and eliminate manual reconciliation across domestic and global bank networks.
Lower Payment Processing Costs
ACH payments significantly reduce acceptance costs compared to card rails, especially for high-value B2B invoices. By shifting eligible transactions to ACH and automating bank routing logic, finance teams lower cost per dollar collected while preserving margin on large-ticket payments.
Faster Cash Settlement & Visibility
The platform provides real-time payment status tracking, bank acknowledgments, and settlement updates directly inside your ERP. This gives treasury accurate visibility into incoming cash flows, reduces uncertainty, and strengthens short-term liquidity planning.
Automated Bank Reconciliation
ACH transactions flow directly into cash application and ERP posting workflows, eliminating manual file uploads and spreadsheet matching. This reduces reconciliation effort, minimizes posting errors, and shortens month-end close cycles.
Secure, PCI-Scoped Bank Tokenization
Bank account details are tokenized and securely stored to reduce fraud exposure and operational risk. By removing sensitive bank data from manual handling, finance teams improve compliance posture while maintaining a seamless buyer payment experience.
Global ACH & Local Debit Coverage
The solution supports multiple regional ACH frameworks (NACHA, SEPA, BACS, BECS, and others) to enable localized bank debits. This allows enterprises to standardize ACH processing across geographies without building country-specific integrations.
ERP-Native ACH Execution
Because ACH initiation, tracking, and posting occur within the system of record, there are no reconciliation gaps between invoices and settlements. This keeps the invoice → payment → cash application lifecycle connected, auditable, and fully traceable.
A CFO-focused roadmap that shows how embedding payments in AR reduces DSO (up to 10 days), cuts payment processing costs, and converts invoices into predictable cash flow.
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Explore the hidden B2B payment challenges that impact cash flow, interchange costs, surcharge compliance, and scale better for enterprise finance teams.
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Compliance-safe playbook with a built-in calculator to model surcharge recovery and interchange savings, helping CFOs quantify up to 30% fee reductions.
Calculate Surcharge FeeHighRadius’ B2B Payments Software integrates directly with all major banks and ERPs, enabling real-time data sync for faster, secure payments, saving millions of dollars on interchange fees.
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Download ERP FactsheetMove beyond basic file-based bank transfers—Agentic AI transforms ACH processing into an intelligent, self-optimizing cash collection engine embedded inside your AR workflow.
Agents initiate, validate, and monitor ACH debits across NACHA and global bank networks, automating retries, returns handling, and ERP-native posting without manual file uploads.
AI verifies account formats, routing logic, and mandate data before submission, reducing return codes, failed debits, and costly reprocessing delays.
Agents detect ACH returns, NSF flags, and bank rejections in real time, automatically triggering retry logic or alternative payment recommendations to protect cash flow.
Every debit success, return, and settlement update feeds back into the system—improving success rates, reducing processing friction, and strengthening predictability in cash forecasting over time.
ACH payment software is a platform that enables businesses to initiate, process, and manage Automated Clearing House (ACH) bank transfers for B2B payments within their accounts receivable and ERP workflows.
Unlike basic bank file uploads or standalone ACH tools, modern ACH payment software embeds debit authorization, mandate management, bank validation, returns tracking, and reconciliation directly into the invoice-to-cash process. It connects invoice generation, ACH initiation, settlement reporting, cash application, and ERP posting into a unified, audit-ready system.
For enterprise finance teams, ACH payment software helps reduce payment processing costs, minimize return rates, accelerate settlement cycles, and improve cash visibility. It supports NACHA-compliant processing, secure bank account tokenization, recurring debit scheduling, and automated handling of return codes and exceptions.
HighRadius ACH Payment Solution goes beyond simple ACH processing by embedding AI-driven validation, retry logic, and ERP-native posting into the workflow, helping finance leaders drive faster cash realization, lower bank rejection risk, and predictable working capital outcomes.
Automate payments, eliminate exceptions faster, and deliver audit-ready financials with Agentic AI for B2B payments.
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ACH payment software is a digital system that enables businesses to process Automated Clearing House (ACH) bank transfers for receivables and payables. It handles mandate capture, file creation, debit/credit initiation, settlement tracking, and reconciliation. Unlike manual bank uploads, it integrates with ERP and AR workflows for automated, compliant processing. ACH is commonly used for recurring B2B collections due to its low cost and predictable settlement timing.
ACH payment processing works by creating NACHA-compliant files from approved invoices or payment instructions, then transmitting them to banks or payment networks for batch settlement. Payments typically settle in 1–3 business days, with Same-Day ACH offering faster windows. The system debits the payer’s account and credits the merchant’s bank account once settled. Modern ACH software automates these steps and integrates settlement results back into ERP systems.
Businesses use an ACH payment solution to reduce payment processing costs compared to cards or checks, automate receivables/payables, speed reconciliation, and improve cash flow predictability. ACH cuts manual tasks associated with paper checks and lowers the risk of fraud tied to physical payments. A cloud or ERP-integrated ACH solution also improves audit trails and compliance readiness.
ACH payments are significantly cheaper than credit card or wire transactions, often costing a flat fee per transaction (e.g., $0.20–$1.50). This is a low-cost method for high-volume or high-value transfers, delivering scalable savings versus percent-based card fees. Pricing varies by bank or processor and may include setup or monthly fees. CFOs should evaluate total cost of ownership, not just per-transaction fees.
Standard ACH transactions typically settle in 1–3 business days, depending on cutoff times and bank schedules. Same-Day ACH enables faster settlement—often within hours—if initiated before daily cutoffs. While not instant like some real-time rails, ACH is faster and more predictable than mailed checks. Settlement timing should be considered in cash flow planning.
Yes. ACH payments are processed through regulated bank networks with encryption, authentication, and NACHA operating rules for safety. Because payments move account-to-account rather than carrying card information, ACH has a lower fraud profile than checks or card rails. Modern ACH software adds tokenization and secure access controls for enterprise-grade compliance.
Yes. ACH is widely used to replace paper checks in B2B contexts because it automates bank transfers, lowers processing costs, and improves reconciliation speed. Unlike checks, ACH eliminates printing, mailing, and manual posting steps, reducing errors and delays. Many finance teams move toward ACH first before layering in cards or real-time rails.
Common ACH challenges include returned payments from incorrect bank details, processing delays from batch windows, and handling exceptions manually. These can be mitigated with bank account validation, automated retry logic, and integrated reconciliation workflows. Modern ACH software helps reduce these friction points with intelligence and exception management.
Same-Day ACH is a faster settlement option within the ACH network that processes payments on the same business day if submitted before cutoff times. This accelerates cash inflows and reduces dependency on next-day settlement, improving working capital. Same-Day ACH is especially valuable for urgent invoices or tight pay cycles.
Advanced ACH payment solutions integrate directly with ERP and accounting systems like SAP, Oracle, and NetSuite. ACH initiations, settlement statuses, and debit confirmations flow back into the system of record, eliminating manual posting and reconciliation work. This improves data accuracy and shortens month-end close cycles.
ACH and wire transfers both move funds between bank accounts, but ACH is batch-processed with lower fees and predictable settlement windows, while wires are direct, faster, and more expensive. ACH is ideal for routine B2B payments where cost and automation matter more than instant settlement. Wire transfers are typically used for urgent, high-value transactions where speed outweighs cost.
ACH is primarily a U.S. network, but many enterprise ACH solutions support equivalent direct debit implementations in other regions (e.g., SEPA in Europe, BACS in the U.K., BECS in Australia). A global ACH platform enables multi-country bank debit issuance and integrates with regional payment rails to cover broader receivable needs. CFOs exploring global scale should ensure their solution supports localized format rules and compliance.
