Now live for BigCommerce: ACH at checkout with Bankful

If you’re a BigCommerce merchant, you now have a new way to get paid at checkout: ACH.

Bankful’s BigCommerce widget is live with ACH at checkout, alongside card payments and wallets. That means customers can choose the payment method that fits the purchase—while merchants can reduce card-fee pressure where it matters most.

This isn’t about replacing cards. It’s about adding a lower-fee option at the point of purchase—especially for larger orders, wholesale, and invoice-style buying.

What’s now available

With Bankful’s BigCommerce widget, merchants can offer:

• ACH at checkout (a lower-fee option compared to card-only transactions in many cases)
• Cards + wallets + ACH in one checkout payment experience
• A consistent checkout flow designed to fit within the BigCommerce purchase experience
• Trust-forward payment infrastructure (PCI/SOC/encryption) that supports confidence at checkout

Why ACH at checkout matters

Most merchants feel card fees most when:

• Average order values rise
• More revenue comes from fewer, larger transactions
• B2B customers prefer bank-to-bank payments
• The business starts sending invoices or taking larger one-time payments

In those scenarios, a card-only checkout can become expensive—and it can force customers into a payment method that doesn’t match how they prefer to buy.

Adding ACH at checkout creates practical benefits:

1) Reduce card-fee pressure on larger orders

ACH gives customers a bank payment option that can be meaningfully less expensive than card fees, depending on your pricing and transaction mix.

For merchants, it’s a margin tool:

• Use cards and wallets when speed matters
• Offer ACH when cost control matters

2) Give customers more ways to pay (and keep checkout moving)

Customers abandon checkout for lots of reasons—one of them is simple: they don’t see the payment option they want.

Offering multiple payment methods in one place can help:

• Reduce friction
• Prevent “I’ll come back later” drop-off
• Improve completion for customers who prefer bank payments

3) Fit the payment method to the sale

ACH isn’t the best choice for every purchase. That’s exactly why it works best as an option, not a replacement.

ACH tends to be most useful for:

• Higher-AOV purchases
• B2B/wholesale orders
• Repeat buyers who are comfortable with bank payments
• Customers paying from business accounts

Cards/wallets are still ideal for:

• Smaller orders
• Fast consumer checkout
• Mobile-first checkout behaviors

• 3.5% per transaction

  average credit card processing fees

• 70% of consumers

  say payment choice influences where they shop.

• 35.2B payments

  processed via ACH in 2025

Who this is best for

ACH at checkout is especially valuable for BigCommerce merchants who:

• Have higher average order values
• Sell B2B / wholesale
• Offer invoice-style or large one-time purchases
• Want to reduce reliance on card-only checkout
• Want payment flexibility without rebuilding their store

If you’re primarily low-AOV, impulse DTC, ACH may still be beneficial—but it typically becomes more meaningful as order size increases.

What you can expect from the Bankful BigCommerce widget

Merchants typically care about three things when adding a new payment option:

1. Does it help the business financially?
2. Does it hurt conversion?
3. Does it create customer support issues?

This launch is built around keeping the experience straightforward:

• Clear payment choice at checkout: ACH alongside cards + wallets
• Single checkout payment experience: customers don’t need to hunt for a separate way to pay
• Trust-forward foundation: payment security and compliance signals support confidence

Security and trust

Payments are trust-sensitive. When you add a new payment method, customers need to feel safe.

Bankful supports this experience with security and compliance measures that include:

• PCI-level standards
• SOC controls
• Encryption
• Authenticated payment flows

We keep this as support messaging because the real value for merchants is practical: more payment flexibility and better cost control at checkout.

If you want to see the widget in action and understand whether ACH at checkout is a fit for your business, connect with a payments expert today!