Sending and receiving money is becoming easier and easier as days go by. Currently, in 2025, retail e-commerce sales only are estimated to exceed 4.3 trillion US dollars worldwide.
You can imagine only e-commerce sales activate such a large amount of transfers. Imagine how much is sent and received daily worldwide.
Well, ACH transfers have also been made one of the amazing and easy ways to send money online. And in this article right now, we will be seeing how to complete an ACH transfer without using Plaid.
How to Complete ACH Transfers Without Plaid
Step 1: Setting Up Your Bank Account
- The first thing is to ensure your bank supports ACH transfers. Most major banks do.
- And if you don’t already have an account, open one that allows ACH transactions.
Step 2: Collect Receiver's Information
Many people prefer to use Plaid when it comes to ACH transfers. But if you choose not to use Plaid, you'll need to collect bank account details directly from your customers.
Once you have collected the data or information needed, you should use secure forms or payment gateways provided by your payment processing service to continue the payment processing (e.g., Stripe, Square).
However, getting the information is not enough; just collect and store it well and in compliance with data privacy regulations.
Once that is done, it is always advised to make a verification to be sure that the bank information put there is correct and going to the exact person you want.
Step 3: Initiating an ACH Transfer
Log in to your online banking portal.
Locate the Transfer Option: Find the section for making payments or transfers. This might be labeled as “Payments,” “Transfers,” or “Send Money.”
Enter Transfer Details:
- Recipient's Information: Input the recipient's name, account number, and routing number.
- Amount: Specify the amount you wish to transfer.
- Date: Choose the date for the transfer to occur (immediate or scheduled).
- Review and Confirm: Double-check all information to ensure accuracy and confirm the transaction.
Step 4: Tracking Your Transfer
After initiating the transfer, you will typically receive a confirmation email or notification.
Monitor your bank statements to verify the transaction has been processed successfully.
Understanding ACH Transfers
ACH (Automated Clearing House) transfers are electronic movements of money (online) that permit sending and receiving money from one bank or credit union to another. It facilitates the movement of money between banks and credit unions, enabling both debit and credit transactions.
ACH transfers are generally done free of charge or have very low fees, which is one of the reasons why many people prefer the ACH transfers. And all of this is done with an incredible speed of just a few minutes or hours maximum.
Well, some uses of the ACH transfers are:
- Payroll: Employers use ACH for direct deposit of salaries.
- Bill Payments: Automated payments for utilities and services.
- Peer-to-Peer Payments: Apps like Venmo and PayPal often use ACH.
Final Remarks on ACH Transfers No Plaid
ACH transfers offer a reliable and efficient way to move money electronically. And many people have been making ACH transfers using Plaid. And if you are not in that number, then you came to the right place.
We explained how to complete or make ACH transfers in four main steps that were further explained. You can follow the procedure step by step, and you will be able to complete it now.
BONUS: Accept ACH Payments Instantly
Recent advancements in technology have led to the emergence of instant ACH payments, which allow businesses to receive funds almost immediately.
This innovation is made possible through partnerships between banks and fintech companies that leverage modern payment infrastructures, enabling real-time processing of ACH transactions.
How Instant ACH Payments Work
- Real-Time Processing: Instant ACH payments utilize the Same Day ACH service, which allows for same-day processing of ACH transactions. This service is available for both credit and debit transactions, ensuring that funds are transferred quickly.
- Bank Collaboration: Financial institutions work together to facilitate instant ACH payments, reducing the traditional delays associated with ACH processing. This collaboration is essential for ensuring that funds are available to businesses as quickly as possible.
- User-Friendly Interfaces: Businesses can implement payment solutions that integrate with their existing systems, allowing for seamless acceptance of instant ACH payments. These platforms often offer user-friendly dashboards that simplify the payment process for both merchants and customers.