An ACH API integration enables a business or SaaS platform to automate ACH Credit Union Payment Solutions payment processing and reconciliation. Any business that accepts recurring payments should leverage the ACH network for 2 compelling reasons: 1-Payment fee savings that can be 90%+ more economical than credit cards. 2-Substantially reduced payment decline rate. Typically 2% or less for ACH versus 10%+ on credit cards. Electronic Funds Transfer Canada