who are you billing in the &gt;$25k range that doesn&#x27;t have the ability to send payments via ACH and will do so free of charge.<p>I bill pharma and biotech companies and regularly receive payment via ACH and did not require a service provider and have never paid a fee.<p>I do need someone to reconcile the incoming payments to a particular account, but that really isn&#x27;t a huge deal (and could be awkwardly automated already as they send an e-mail Remittance Advice the same day).<p>Maybe there is some intermediate set of customers, but for me, any customer paying large invoices regularly already is set up to pay by ACH.