Negotiable
$0.00 to $1.00 per deposit (standard); 1.0%–1.5% (instant payout)

ACH Payout / Funding Fee

A small per-deposit fee ($0.10–$1.00) some processors charge to transfer your daily card-batch proceeds into your bank account via ACH.

After a card batch closes, your processor moves the net proceeds to your bank account via ACH (Automated Clearing House) the next business day. Most processors absorb the ACH cost, but some — particularly aggregators offering 'instant payout' upgrades and a few legacy ISOs — charge a per-deposit fee. The fee is small individually ($0.10–$1.00 per batch) but adds up at $20–$30/month for a daily-batched merchant.

Distinct from the 'instant payout' or 'next-hour funding' fees that processors charge to expedite the transfer (typically 1.0%–1.5% of the batch). Standard next-business-day ACH funding should be free or near-free — if you see a meaningful per-deposit fee on your statement and you don't use instant payouts, it's worth disputing.

Who charges it
Some legacy ISOs and aggregators offering tiered funding speeds. Most modern processors (Stripe, Square, Helcim, Stax, Dharma) waive standard ACH funding.
Typical range
$0.00 to $1.00 per deposit (standard); 1.0%–1.5% (instant payout)

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