Comparing a Payments Provider vs. Handling Payments In-House

If you want to process ACH payments, there are two options to get started: partner with a Financial Institution to access the ACH Network or integrate with a payments platform, such as Dwolla, to access the ACH Network.

This guide will weigh the following with each option:

  • Security and compliance considerations
  • Speed to market
  • Customization options
  • Staffing considerations
  • Ease of implementation
  • Risks and responsibilities

Weigh Your Payments Options

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If you’ve been looking to send funds via the ACH Network as part of your business, you must do the diligent work of making sure you’re setting up everything in accordance with applicable compliance rules and procedures.

You could set up your own Origination program and become an expert with the Nacha rule book. Or, you could integrate with a proven ACH payments API like Dwolla.

Read this guide for all the details on each option and determine which choice is best for you.