Apply for 2% Same-Day ACH Checkout

Powered by our partnership with Gulf Management Systems, a 30+ year industry processor. Two- to three-day approval. No call required.

Open to any revenue level. The 2% same-day ACH program has no monthly volume minimum. Day-one startups, established merchants doing $10M+/mo, everyone in between, you all qualify on the same terms. Once you're approved, we email you your API credentials and the WordPress plugin, no need to come back here.

Start your application

Click the button below to open the Gulf Management Systems intake form. Fill it out, it takes about 10 minutes, and GMS's underwriting team reviews it directly. You'll be approved in 2–3 business days. No need to email us first.

Start Your ACH Application →

Opens at intake.gulfmanagementsystems.com

Need help? Email intake@holisticpayments.io.

What the checkout actually looks like

Here's a live example of the ACH checkout running on a custom e-commerce site built on top of the Next.js plugin. Clean routing + account fields, order summary with automatic ACH discount, secure encryption badge, save-account-for-later checkbox.

ACH Bank Payment checkout, routing number, account number, account type selector, save-bank-for-faster-checkout option, order summary with 5% ACH discount applied — Custom SiteNext.js + Tailwind e-commerce checkout, 2% ACH settles same-day, site applies a 5% ACH discount to incentivize customers away from card.

And here's the same ACH program running on a WordPress / WooCommerce storefront using our drop-in plugin. eCheck payment method, NACHA-compliant authorization checkbox, standard WooCommerce Place Order button. No theme customization required.

WooCommerce eCheck checkout, Pay securely using eCheck option selected, routing number + account number + account type fields, ACH authorization checkbox, Place Order button, Peptide Core order summary totaling $298 — WordPressWooCommerce eCheck checkout with NACHA-compliant authorization. Email intake@holisticpayments.io for the plugin zip.

What you get on approval

API credentials, api_id, gms_id, api_key for live ACH debits.
Merchant portal access at gms-operations.com, view settlements, run manual charges, monitor NACHA returns.
WordPress plugin zip, drop-in ACH checkout for WooCommerce sites.
Next.js plugin available at /ach-setup, same-day ACH, subscriptions, settlement verification.
Custom-site plugin, if your site was built on Claude Code or another custom stack, our team builds you a dedicated integration. Just mention it when you apply.

What you'll pay

Pricing

2% per ACH transaction, flat, including all interchange and assessments
Same-day settlement, funds in your bank same day for transactions submitted before GMS's cutoff window
No setup fee, no monthly minimum, no termination fee

Why this is a fast path

Gulf Management Systems is a 30-year processing veteran that has specifically approved this ACH program for high-risk verticals, peptides (RUO), CBD, supplements, and compliant direct-response commerce. Approval takes 2–3 business days because GMS's underwriting team handles it directly, and you don't need to book a call with us to get started.

Open the GMS intake form, fill it out, and GMS reviews directly. You're live with API credentials and a merchant portal within a week. From there you integrate via the Next.js plugin, the WordPress plugin, or a custom integration our team builds for you.

Ready to apply?

Open the GMS intake form and fill it out. Approval in 2–3 business days.

Start Your ACH Application → Back to pricing