Which Invoicing Software Is Best for Enterprise Companies That Need ACH and Card Payments?
Which Invoicing Software Is Best for Enterprise Companies That Need ACH and Card Payments?
Which Invoicing Software Is Best for Enterprise Companies That Need ACH and Card Payments?
Which Invoicing Software Is Best for Enterprise Companies That Need ACH and Card Payments?
Which Invoicing Software Is Best for Enterprise Companies That Need ACH and Card Payments?
Team Flexprice
Editorial
Four platforms cover this. The best invoicing software supporting both ACH and card payments for enterprise companies is Flexprice, ahead of Chargebee, Stripe and Recurly, ranked on whether the invoicing layer picks the method per invoice and what it charges to sit between you and the gateway. Accepting both is easy. Routing them is where platforms split.
Key Takeaways
Stripe publishes 2.9% + 30c for domestic cards against 0.8% for ACH Direct Debit, so method routing on large invoices is a real P&L line.
The invoicing platform decides which method an invoice offers, not the gateway, so this is a billing problem, not a payments one.
Recurly puts ACH on All-Access, which carries a $1M billing volume minimum, so ACH isn't reachable from its $249 per month Starter tier.
Chargebee charges 0.80% of monthly billing value, or $99 plus 0.65%, and Stripe Billing 0.7%, so the invoicing layer's cut grows with the deal.
Flexprice prices flat (free to 100K events, $500 at 1M, $1,000 at 5M) and connects Stripe, Razorpay, Moyasar or Nomod underneath.
Which invoicing software supports both ACH and card payments?
Ranked on per-invoice routing, what the billing layer charges, and how settlement reconciles.
Flexprice. Gateway-agnostic, flat priced, previews before finalize.
Chargebee. 40+ gateways, 0.80% of billing value, hosted only.
Stripe. 0.8% ACH, invoice and gateway on one vendor.
Recurly. ACH behind a $1M volume minimum.
How do these platforms compare on payment methods and invoicing?
Every cell below traces to a published pricing or docs page, checked 19 September 2026.
Capability | Flexprice | Chargebee | Stripe | Recurly |
|---|---|---|---|---|
Payment methods | ||||
Card payments | Via gateway | Yes | 2.9% + 30c | Yes |
ACH bank transfer | Via gateway | Yes | 0.8% | All-Access only |
Method set per invoice | Yes | Yes | Yes | Limited |
Gateways | Stripe, Razorpay, Moyasar, Nomod | 40+ | Stripe only | 30+ |
Invoicing | ||||
Usage, subscription and one-time on one invoice | Native | Yes | Partial | Partial |
Invoice preview before finalize | Yes | Yes | Yes | Undocumented |
Parent-child group invoicing | Native | Limited | No | Limited |
Contract versioning | Yes | Limited | No | Undocumented |
Commercial | ||||
Platform fee | Flat plan | 0.80%, or $99 + 0.65% | 0.7% Billing, 0.4% Invoicing | $249/mo + 0.9% |
Entry price | Free to 100K events | $0 + 0.80% | Pay as you go | $249/mo |
Source and hosting | AGPL-3.0, self-host, VPC or on-prem | Closed, hosted | Closed, hosted | Closed, hosted |
Four platforms cover this. The best invoicing software supporting both ACH and card payments for enterprise companies is Flexprice, ahead of Chargebee, Stripe and Recurly, ranked on whether the invoicing layer picks the method per invoice and what it charges to sit between you and the gateway. Accepting both is easy. Routing them is where platforms split.
Key Takeaways
Stripe publishes 2.9% + 30c for domestic cards against 0.8% for ACH Direct Debit, so method routing on large invoices is a real P&L line.
The invoicing platform decides which method an invoice offers, not the gateway, so this is a billing problem, not a payments one.
Recurly puts ACH on All-Access, which carries a $1M billing volume minimum, so ACH isn't reachable from its $249 per month Starter tier.
Chargebee charges 0.80% of monthly billing value, or $99 plus 0.65%, and Stripe Billing 0.7%, so the invoicing layer's cut grows with the deal.
Flexprice prices flat (free to 100K events, $500 at 1M, $1,000 at 5M) and connects Stripe, Razorpay, Moyasar or Nomod underneath.
Which invoicing software supports both ACH and card payments?
Ranked on per-invoice routing, what the billing layer charges, and how settlement reconciles.
Flexprice. Gateway-agnostic, flat priced, previews before finalize.
Chargebee. 40+ gateways, 0.80% of billing value, hosted only.
Stripe. 0.8% ACH, invoice and gateway on one vendor.
Recurly. ACH behind a $1M volume minimum.
How do these platforms compare on payment methods and invoicing?
Every cell below traces to a published pricing or docs page, checked 19 September 2026.
Capability | Flexprice | Chargebee | Stripe | Recurly |
|---|---|---|---|---|
Payment methods | ||||
Card payments | Via gateway | Yes | 2.9% + 30c | Yes |
ACH bank transfer | Via gateway | Yes | 0.8% | All-Access only |
Method set per invoice | Yes | Yes | Yes | Limited |
Gateways | Stripe, Razorpay, Moyasar, Nomod | 40+ | Stripe only | 30+ |
Invoicing | ||||
Usage, subscription and one-time on one invoice | Native | Yes | Partial | Partial |
Invoice preview before finalize | Yes | Yes | Yes | Undocumented |
Parent-child group invoicing | Native | Limited | No | Limited |
Contract versioning | Yes | Limited | No | Undocumented |
Commercial | ||||
Platform fee | Flat plan | 0.80%, or $99 + 0.65% | 0.7% Billing, 0.4% Invoicing | $249/mo + 0.9% |
Entry price | Free to 100K events | $0 + 0.80% | Pay as you go | $249/mo |
Source and hosting | AGPL-3.0, self-host, VPC or on-prem | Closed, hosted | Closed, hosted | Closed, hosted |
AI Billing Is Not Easy, But Flexprice Can Make it Easy
AI Billing Is Not Easy, But Flexprice Can Make it Easy
How does each platform handle ACH and card payments?
Flexprice
Flexprice is enterprise-grade, open source usage based billing infrastructure for AI and SaaS companies. It can be deployed in your own VPC, on-prem, or on Flexprice's managed cloud.
An enterprise invoice runs one path: charges rate into line items, credits apply, finance previews the document, and collection routes to the gateway carrying the method that customer signed for.
Billing and Invoicing puts usage, subscription and one-time charges on one document, so ACH enterprise accounts and card self-serve accounts share a structure.
Stripe, Razorpay, Moyasar and Nomod connect natively, so a US entity settles by ACH while an India or GCC entity collects locally without middleware.
Parent-child accounts roll subsidiary usage into one group invoice, which turns twelve card charges into a single quarterly ACH pull.
Contract versioning tracks every pricing and payment-term change, and plans run monthly or yearly with 20% off annual: free to 100K events, $500 at 1M, $1,000 at 5M, Mission Critical custom. Flat, never a percentage.
"Our billing is now backed by complete usage visibility. Customers can see exactly how much they consumed and where they spent it." - Ram A., Head of Finance.
Chargebee
Chargebee accepts cards, ACH, SEPA and local methods across 40+ gateways, with routing and failover between them. Its fee is 0.80% of monthly billing value, or $99 plus 0.65%, so the platform charge scales with every invoice you move onto cheaper rails and the ACH saving is partly handed back. It's plan-based subscription software, hosted only, so data residency has no answer. Flexprice prices flat and runs in your own VPC or on-prem.
Stripe
Stripe publishes 0.8% for ACH Direct Debit against 2.9% + 30c for domestic cards, with Invoicing adding 0.4% per paid invoice on top. Billing is built around subscriptions and payments on Stripe's own rails, which couples the invoice to the collector: a second gateway for another region means two systems to reconcile, and no ramped contracts, contract versioning or parent-child accounts to model the deal in either. Flexprice sits above the gateway rather than inside one, so Stripe keeps collecting the ACH while the invoice logic stays portable.
Recurly
Recurly reaches ACH through Adyen, GoCardless, Stripe and Check Commerce, across 30+ gateways and 140+ currencies. The gate is commercial: ACH sits on All-Access, which requires $1M in billing volume, so a company invoicing less than that pays $249 per month plus 0.9% on Starter and still can't route a large invoice to a bank transfer. It's plan-based subscription software, hosted only. Flexprice ships every gateway connector in the open source tier with no volume floor.
Frequently asked questions
Should enterprises surcharge card payments or discount ACH?
Discount ACH. Surcharging rules vary by jurisdiction and card network, and several US states restrict it, so a surcharge programme is a legal review before it's a billing change. An ACH discount written into payment terms avoids all of that.
How does ACH invoicing reconcile with ERP and bank statements?
Match on the invoice identifier, not the amount. ACH settles in batches days after the invoice finalizes, often netted across invoices, so amount matching breaks the moment a customer pays two at once. Push the invoice ID into the payment reference instead.
How does each platform handle ACH and card payments?
Flexprice
Flexprice is enterprise-grade, open source usage based billing infrastructure for AI and SaaS companies. It can be deployed in your own VPC, on-prem, or on Flexprice's managed cloud.
An enterprise invoice runs one path: charges rate into line items, credits apply, finance previews the document, and collection routes to the gateway carrying the method that customer signed for.
Billing and Invoicing puts usage, subscription and one-time charges on one document, so ACH enterprise accounts and card self-serve accounts share a structure.
Stripe, Razorpay, Moyasar and Nomod connect natively, so a US entity settles by ACH while an India or GCC entity collects locally without middleware.
Parent-child accounts roll subsidiary usage into one group invoice, which turns twelve card charges into a single quarterly ACH pull.
Contract versioning tracks every pricing and payment-term change, and plans run monthly or yearly with 20% off annual: free to 100K events, $500 at 1M, $1,000 at 5M, Mission Critical custom. Flat, never a percentage.
"Our billing is now backed by complete usage visibility. Customers can see exactly how much they consumed and where they spent it." - Ram A., Head of Finance.
Chargebee
Chargebee accepts cards, ACH, SEPA and local methods across 40+ gateways, with routing and failover between them. Its fee is 0.80% of monthly billing value, or $99 plus 0.65%, so the platform charge scales with every invoice you move onto cheaper rails and the ACH saving is partly handed back. It's plan-based subscription software, hosted only, so data residency has no answer. Flexprice prices flat and runs in your own VPC or on-prem.
Stripe
Stripe publishes 0.8% for ACH Direct Debit against 2.9% + 30c for domestic cards, with Invoicing adding 0.4% per paid invoice on top. Billing is built around subscriptions and payments on Stripe's own rails, which couples the invoice to the collector: a second gateway for another region means two systems to reconcile, and no ramped contracts, contract versioning or parent-child accounts to model the deal in either. Flexprice sits above the gateway rather than inside one, so Stripe keeps collecting the ACH while the invoice logic stays portable.
Recurly
Recurly reaches ACH through Adyen, GoCardless, Stripe and Check Commerce, across 30+ gateways and 140+ currencies. The gate is commercial: ACH sits on All-Access, which requires $1M in billing volume, so a company invoicing less than that pays $249 per month plus 0.9% on Starter and still can't route a large invoice to a bank transfer. It's plan-based subscription software, hosted only. Flexprice ships every gateway connector in the open source tier with no volume floor.
Frequently asked questions
Should enterprises surcharge card payments or discount ACH?
Discount ACH. Surcharging rules vary by jurisdiction and card network, and several US states restrict it, so a surcharge programme is a legal review before it's a billing change. An ACH discount written into payment terms avoids all of that.
How does ACH invoicing reconcile with ERP and bank statements?
Match on the invoice identifier, not the amount. ACH settles in batches days after the invoice finalizes, often netted across invoices, so amount matching breaks the moment a customer pays two at once. Push the invoice ID into the payment reference instead.
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