About Us
 

ACH Payment Solutions (ACHPS) was formed in 2002 to develop a national sales distribution channel to sell ACH processing opportunities to the regional merchant market.  Target merchants range in size from small "mom & pop" operations to large regional merchants with 100 locations or more.  Historically these merchants are largely ignored and under served.  ACHPS markets its services primarily via well-established marketers in the merchant card processing industry.  These marketers are called Independent Sales Organizations or ISOs.  The management of ACHPS has extensive experience in the merchant card processing industry and with ISOs (see officer profiles).  ACHPS intends to leverage its experience and contacts to build an ISO sales channel for ACH services much the same as the merchant processors did in the 1990s.

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Market Overview:  ACHPS believes that consumer and business acceptance to ACH as an alternative to card based payment is growing.  ACH services are largely unavailable to small to medium sized merchants.  ACHPS believes that Independent Sales Organizations (ISOs) are uniquely positioned to solicit these merchants because these organizations are already calling on merchants for credit card and other payment products and services.
   
Market Acceptance:  Consumer and business acceptance of online banking and bill pay activities continues to grow.  Perhaps there is not a better example of market acceptance than Wal-mart's announcement that it will ACH enable its web site.  This marks both the business acceptance and brings consumer acceptance more "main stream".  While Wal-mart is not a small merchant, ACHPS feels this announcement will bring more focus to the small merchant to compete and offer a similar service.  At the same time, ACHPS believes the consumer will react positively.  In other words, the consumer may think, "If Wal-mart believes it is an acceptable and safe form of payment then perhaps I can trust other businesses to debit my account as well".