who are you billing in the >$25k range that doesn't have the ability to send payments via ACH and will do so free of charge.
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.
I do need someone to reconcile the incoming payments to a particular account, but that really isn't a huge deal (and could be awkwardly automated already as they send an e-mail Remittance Advice the same day).
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.
I think it's more that you want it to be part of an automated system. Ideally, it should be set up to autobill every month and reconcile those transactions automatically (like what you can do with credit cards).
The vast majority of customers do have access to some sort of ACH payment system, but it's not automated. You still have to pester them to pay each month.
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.
I do need someone to reconcile the incoming payments to a particular account, but that really isn't a huge deal (and could be awkwardly automated already as they send an e-mail Remittance Advice the same day).
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.