Settle 100% of your ACH Transactions Instantly

Gain access to 3 instant settlement rails via a single API:
Real Time Payment, Same Day ACH and Pin less Debit Card transaction can all be an instant settlement solution!

Eliminate the need for multiple API integrations or guessing which rail will eventually win. ACH Now and FedNow allow's you to access all the instant payment rails natively. Put our years of digital banking experience and developer-centric architecture at the center of your ACH payments solutions today. We offer the best ACH processing solution, offering competitive fees and same-day ACH!

Comprehensive Solution

ACH/Payments

Fraud Prevention

Identity Verification

Banking

ACH Now

Cards

Secure & Seamless Funding

Confidently process transactions and repayments with various options. Choose ACH, Debit Cards, RTP, and Same-Day ACH to enhance your business operations & collections

Reduced NSF & Return Risks

Allows for pre-validation of account status to minimize failed transactions. Reduce returns like R01 and R05 by leveraging bank-verified transactions.

Reliable & Secure

Compliance-focused processing with regulations, including NACHA, KYC, KYB, and PCI-DSS standards for secure and compliant transactions.

Dedicated MCA Expertise

Built specifically for Financial Companies and Merchant Cash Advance industries. Increase cash flow and mitigate risk with our advanced funding solutions.

will change the way you fund!

NO Cut-off times
UNLIMITED Transfer Amounts
Process Transactions ANYTIME, Including Weekends and Holidays!

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Expand Your Processing Capabilities

Give customers another way to pay with hassle-free account-to-account payments with LIFTOFF Platform.

Easy Integration

Leverage a simple API with a single interface to incorporate secure card and bank payments into your day-to-day operations.

Tokenization

Enhance security for recurring payments by tokenizing payment info with advanced encryption technology.

Preauthorized Debit

Streamline authorized debit transactions directly from your customers' bank account.

Automated Clearing House

Facilitate bank transfer, ACH, RTP, and debit payments with ease and security.

Recurring Payments

Offer customers the ability to use ACH or PAD for recurring and subscription payments with the security of bank-insured transactions.

One account for all your payment needs

Access powerful tools for in-person and online payments — no contracts and no hidden fees.

Cost Savings

Help your customers significantly reduce the cost of payments by using RCC and RTP.

Increase Profitability With ACH Check Processing!

Today's customers prioritize digital banking solutions, seeking faster and the best ACH processing companies. Liftoff is a ACH processor with the cheapest ACH processing , including Real Time Payments, Same Day ACH, payroll cards, and virtual card capabilities for consumers and businesses—whether for direct deposit, remote check deposits, or high risk ACH processing—to remove delays and hold on funds, providing quick access to their payments, funding, or earnings. Enhance customer onboarding and retention, and boost lifetime value by offering a direct deposit switch. Real Time Payments and same day ACH allows consumers to set up direct deposits effortlessly.

Elevate Your Payment Experience With The Best ACH Processing Solutions!

Experience the confidence of secure payments and the convenience of rapid transfers, all with our cutting-edge ACH payment processing system, allowing you to send and receive funds with unprecedented efficiency. Whether you’re handling payroll, bill payments or vendor transactions, our ACH program streamlines the process for swift, hassle-free money transfers and expense payments. Liftoff provides the cheapest ACH payment processing for small business. As a premier ACH processor for over 10 years, we specialize in high-risk ACH processing, vitural debit cards, and payroll cards.

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Revolutionize Your Payment System with Liftoff ACH Solutions!

Liftoff is one of a select few broad-industry focused Nacha Certified Third-Party Senders. Ultimately, we provide greater funding control with same-day funding and late cutoffs via multiple originating depository financial institutions (ODFIs).

Through constant innovation, Liftoff ACH allows you to move money to or from any US bank account at a fraction of the cost of credit card processing. We’re also one of the first processors to offer same-day ACH credits to any US bank account.

Elevate your Payment Experience with ACH Payment Solutions

Liftoff card is one of a select few broad-industry focused Nacha Certified Third-Party Senders. Ultimately, we provide greater funding control with same-day funding and late cutoff via multiple originating depository financial institutions (ODFIs).

Through constant innovation, Liftoff card ACH allows you to move money to or from any US bank account at a fraction of the cost of credit card processing. We’re also one of the first processors to offer same-day ACH credits to any US bank account.

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Secure

Highest level of fraud detection and payment security in the market with PCI Level 1 and tokenization.

Distinguished

We’re a Nacha Certified Third-Party Sender, the highest level of commitment toward compliance for payment companies.

Convenience

Digital and automated process that can be made at the office or at home.

Support

Access to in-house team, Certified Payment Professionals (CPP), project managers, rate analysts, fraud department and marketing pros.

Revolutionize Your Payment System with Liftoff ACH Solutions!

Liftoff is one of a select few broad-industry focused Nacha Certified Third-Party Senders. Ultimately, we provide greater funding control with same-day funding and late cutoffs via multiple originating depository financial institutions (ODFIs).

Through constant innovation, Liftoff ACH allows you to move money to or from any US bank account at a fraction of the cost of credit card processing. We’re also one of the first processors to offer same-day ACH credits to any US bank account.

Automatically send customized reminders and receipts.

Manage accounts in real-time with our feature-rich, enterprise-class payment gateway.

Recurring payments can be scheduled by the customer, allowing recurring payments to run on autopilot.

Automatically send customized reminders and receipts.

Seize the full potential of our solutions by integrating payments and accounting processes.

Automatically send customized reminders and receipts.

Fraud Prevention: Mitigate risk and fraud by validating account information upfront.

PreNote Verification

Verification & Prenotes
Identify & reduce fraud beforehand. Plus, ease back-office collections & eliminates data entry errors before enrollments.

Instant Account Validation
Liftoff card Instant Account Validation will increase conversion rates while reducing abandonment. In seconds,Liftoff card confirms that an account is valid including bank details, account number, routing number, balance, and holder name. You receive the highest level of security and compliance with Nacha standards. And, Liftoff card Instant Account Validation sits outside the ACH network which means there’s no impact to transaction counts or return ratios.

ACH Payment API

Fast API with simple integration for originating and accepting ACH transfers.
Virtual Accounts

Designated account and routing numbers allow for ACH direct deposit and third-party debit.
Fraud Pervention

Simplified fraud protection built into money
transfer APIs.
Identity verification

Automated user verification (KYC/KYB) to
reduce risk and fraud.
Instant Settlement

Provides access to on-demand, same-day payments to digital wallets or virtual accounts.
Bank Account linking

Trusted bank account linking from integrated providers to allow sending or receiving funds.
Standard ACH

Payment transfers between bank accounts through ACH network with standard 2-3 day processing times.
Same Day ACH

Ensures bank transfers are sent for processing on the ACH Network on the day of initiation.
Digital Wallets API

Customize application-based payment flows to enable stored value and transfers among wallets and linked accounts.