0.35% per payment · capped at $2.50

Accept ACH payments for a fraction of Stripe's cost

Let customers pay straight from their bank account. One simple API, a hosted checkout, and fees that stop at $2.50 — no matter the order size.

Savings calculator

See what switching from cards to ACH saves you.

$
%
$
Cards / month
$3,024
Wiredx / month
$336
You save every month
$2,688
Annual savings
$32,256
89% less than you pay for cards

How it works

01

Create a payment

One API call with an amount and customer email returns a checkout link.

02

Customer links their bank

They sign in to their bank securely in seconds — no routing numbers to type.

03

Money lands in your account

Funds settle by ACH through our licensed partner, with webhooks at every step.

One price. That's it.

No setup fees, no monthly fees, no surprises.

Typical card processor
2.9% + 30¢
$500 order → $14.80 fee
Wiredx ACH
0.35%
capped at $2.50 · $500 order → $1.75 fee
  • No monthly fees
  • Free test mode
  • Hosted checkout included
  • Webhooks & API

Ship in an afternoon

Create a payment, redirect to checkout, listen for webhooks. That's the whole integration.

// 1. Create a payment on your server
const res = await fetch("https://api.wiredx.live/v1/payments", {
  method: "POST",
  headers: { Authorization: "Bearer sk_test_..." },
  body: JSON.stringify({
    amount: 12000,            // in cents
    customer_email: "ana@example.com",
  }),
});
const { checkout_url } = await res.json();

// 2. Send your customer to the hosted checkout
window.location.href = checkout_url;

Everything you need, nothing you don't

Bank-grade security

We never store bank details or hold your funds. A licensed partner moves the money.

Instant bank linking

Customers connect thousands of US banks in a few taps.

Real-time webhooks

Get notified when payments are pending, completed, or returned.

Test mode

Simulate successful and returned payments before going live.

Customer records

See every customer and their payment history in one place.

Embeddable checkout

Drop in a hosted page or a small script tag — your choice.

Stop paying 3% to get paid

Get test keys in under a minute. Go live when you're ready.

Get API keys