Which gateways do US merchants actually use for recurring ACH?
Hosted (invoicing.co), US merchant, 12 customers on monthly recurring invoices.
Stripe has blocked 100% of my ACH payments and will not lift them, so I need a different gateway. Before I sink weeks into applications, I would like to hear from people actually running this:
- Which gateway are you using for recurring ACH in the US, and does it work reliably?
- Does the Authorize.Net driver expose ACH (eCheck.Net) as a payment type in the client portal, or is it card-only? The marketing page and the docs contradict each other on this.
- Does GoCardless work for US ACH in practice, or is it effectively UK/EU only?
- Has anyone here been through Forte onboarding? I reached out and have gotten almost nothing back so far.
- Has anyone else hit the Stripe new-account ACH block, and what did you switch to?
Background, for context:
I moved my invoicing from QuickBooks Online and set up Stripe for ACH. My 12 customers have paid me monthly by ACH through QBO for over six years. Zero disputes, zero refunds, zero returns. I have the full QBO transaction history available as documentation for any underwriting.
Before going live I spent a week testing: created a test account, invoiced myself, paid myself, refunded myself, all through the Invoice Ninja and Stripe interfaces. Everything worked. So I imported my customers, set up recurring invoices, and let the September 1 cycle run.
Invoices went out, customers viewed them, linked their bank accounts, and paid. Stripe blocked every single payment, large and small alike. After several automated “reviews” and a round of emails, they maintain the blocks protect me from disputes and losses because the payments are high-risk.
The only loss I am incurring is not getting paid by customers of many years’ standing. I have since told everyone to stop attempting payment so I stop accumulating blocked transactions, which means there is now nothing left for Stripe to review or unblock.
Stripe is not a viable option for me. I would genuinely like to make this work on Invoice Ninja, which has been a refreshing change with a lot of potential. But I cannot invoice customers I have no way to collect from, so if I cannot find a working ACH path in the next couple of weeks I will have to go back to QuickBooks Online, which is paused and easy to restart.
Any firsthand experience appreciated.