Unlock New Revenue Streams: How ISVs Can Monetize ACH Payment Processing

Introduction

For Independent Software Vendors (ISVs), embedding ACH payment functionality into your platform isn’t just a product enhancement — it’s a revenue opportunity. With the right strategy, ACH payments can evolve from a cost center into a profit driver, fueling long-term platform growth.

In this blog, we explore how ISVs can monetize ACH payment processing through various models — including revenue sharing, value-added services, and PayFac enablement. With practical insights and real-world applications, you’ll learn how to turn payment infrastructure into a sustainable, recurring revenue stream.

Why ACH Payments Represent a Revenue Opportunity for ISVs

ACH transactions offer low processing costs, high transaction volumes, and consistent demand — especially in B2B and recurring billing environments. When integrated strategically, they can unlock profit potential across your platform.

Key Advantages of Monetizing ACH for ISVs

• Recurring revenue from transaction fees

• Stronger platform stickiness as users rely on built-in payments

• Added value for customers seeking affordable alternatives to credit cards

Example:
A SaaS ISV that added ACH to its invoicing platform saw a 35% increase in payment volume and began earning monthly residuals through a revenue share agreement with its ACH partner.

Monetization Models for ACH Integration

1. Revenue Share Agreements

Many ACH providers offer rev-share models where ISVs earn a percentage of the transaction fees processed through their platform.

How it Works:

• ISV integrates the ACH provider’s API

• Provider handles processing and compliance

• ISV receives a share of each transaction fee

Best For:
ISVs that want to monetize payments without managing risk or operations

2. Offer Value-Added Payment Services

Go beyond core ACH and offer features that justify premium pricing or user upsells:

• Faster settlement options (same-day ACH)

• Branded reporting and reconciliation dashboards

• Automated payment reminders and retries

• Bank account verification as a service

These services create new revenue layers while improving the user experience.

3. Transition to a PayFac Model

Becoming a Payment Facilitator (PayFac) gives ISVs greater control over the payment experience — and a larger cut of transaction revenue.

What It Involves:

• Direct relationship with payment networks

• Onboarding and managing sub-merchants

• Higher margins, but greater operational complexity

Best For:
Established ISVs with large user bases, development resources, and a long-term monetization vision

Example:
A vertical SaaS company serving medical practices became a registered PayFac and increased its average revenue per customer by 25% through ACH and card payment fees.

Key Considerations When Monetizing ACH Payments

1. Understand the Cost Structure

Before setting markups or negotiating revenue shares, evaluate:

• Base ACH processing fees

• Return code handling fees

• Settlement timelines and their impact on cash flow

2. Prioritize User Experience

Revenue only grows if users adopt ACH. Ensure that your integration includes:

• Seamless onboarding and verification

• Clear settlement communication

• Error handling and support documentation

3. Choose a Monetization-Friendly ACH Partner

Look for partners that:

• Offer rev-share and white-label options

• Support ISV control over pricing models

• Provide detailed reporting for revenue tracking

How PlatformNext Helps ISVs Monetize ACH Payments

PlatformNext by Profituity is built for ISVs ready to turn payments into profits.

Monetization-Friendly Features Include:

• Flexible rev-share models tailored to ISV needs

• White-label ACH capabilities for branded experiences

• Built-in tools for payment tracking, return code handling, and reporting

• Support for ISVs transitioning into PayFac or hybrid models

• Developer-friendly APIs and real-time analytics

PlatformNext empowers ISVs to grow payment revenue without sacrificing user experience or adding operational overhead.

Schedule a demo today to see how PlatformNext can help you monetize ACH at scale.