C
Clifford Paulick
For ACH, I personally like CSG Forte because they have much lower fees than Stripe ACH.
Plus, Forte (Fort Worth) is located less than an hour away from GHL (Dallas).
I also like spreading out my payment processors because of horror stories I've heard about Stripe and PayPal accounts getting shut down temporarily or even permanently.
Here's info about Forte's integration with Zoho Books: https://www.forte.net/zoho/
They charge $2.50/mo flat fee plus $0.25 per ACH transaction, regardless of the transaction size.
Stripe's ACH fees (https://stripe.com/pricing) are much higher (sure, they're not _high,_ capped at $5 per transaction), but there's the potential for the customer to pay via Link, and even if they pay via ACH—if they pay via Link—then Stripe's pricing is back up to a percentage similar to credit card payments.
So Forte is not only significantly cheaper, it's also not subject to potential Link interception that causes us to pay credit card level fees for ACH/eCheck, which is just ridiculous.
When you apply for a Forte account, you can request the ability to accept payments via ACH and/or Credit Card. If credit card, you can do Flat Rate pricing (like Stripe) or Interchange Plus pricing (e.g. where it costs you more to accept American Express and less to accept debit cards)
Once there's a CSG Forte integration in GHL, I'd like to see a payment method of "Forte ACH" separate from "Forte Cards" so I can choose which payment method(s) to allow, such as Stripe + PayPal + Forte ACH + Forte Cards (i.e. any method the customer chooses).