Welcome. Here's exactly what to do next.

You're at $50K+/mo, meaning you qualify for both the 2% same-day ACH program and our U.S. bank credit card program. Here's the fastest path to live processing.

1

Bookmark your application link

Save this to your bookmarks. You'll come back to grab your API credentials and plugin once you're approved, we email you the moment approval clears, so you don't need to check back for status.

https://holisticpayments.io/ach-apply
Open application page →
2

The 2% same-day ACH program

No revenue minimum. The 2% ACH program is available at any monthly volume, from day-one startups to $10M+ merchants. Partnered with Gulf Management Systems, a 30-year industry processing veteran who specified that approval times run 2–3 business days. You do not need to book a call with us, you apply directly through GMS's intake form.

Start Your ACH Application →

"We've processed ACH for three decades. What sets this program apart is the approval speed, clean applicants are live in two to three business days, and merchants keep their reserve-free status as long as NSF rates stay in range." - Kurt Schneider, Gulf Management Systems

What the checkout looks like

ACH Bank Payment checkout, routing, account number, account type, order summary with 5% ACH discount applied
Custom SiteNext.js + Tailwind e-commerce checkout running on our ACH program. Drop in for your own brand using the Next.js plugin at /ach-setup.
WooCommerce eCheck checkout, Pay securely using eCheck, routing + account fields, NACHA authorization, Place Order button
WordPressWooCommerce eCheck checkout, same ACH program, native WooCommerce theme. NACHA-compliant authorization checkbox built in.

On approval you receive

API Credentialsapi_id, gms_id, api_key for live ACH debits
Merchant Portalgms-operations.com, settlements, returns, manual charges
WordPress PluginDrop-in zip for WooCommerce sites
Next.js PluginDownload at /ach-setup

Custom site on Claude Code or another custom stack? Our team will build you a dedicated plugin. Just mention it in your application email.

3

U.S. bank credit card program

For merchants who want credit card acceptance alongside ACH. Premium U.S. bank processing, daily payouts, no LegitScript required, 90-day reserve release.

Monthly volumeRate
$30K – $80K9.5%
$80K – $150K8.5%
$150K – $250K7.5%
$250K – $500K7%
$500K – $1M6.5%
$1M+Negotiable

Rate graduates automatically as volume grows. 1–2 week approval. Start the RUO merchant intake →

Want to talk it through?

At $50K+/mo, you're a qualified candidate for our full program. If you'd rather walk through it on a call before applying, grab 20 minutes with Blake directly.

Book a call with Blake →

Fast path summary

  1. Bookmark holisticpayments.io/ach-apply
  2. Fill out the GMS intake form at intake.gulfmanagementsystems.com/form/profile/shark
  3. Get approved in 2–3 business days
  4. Receive API credentials + merchant portal + plugin zip
  5. Integrate via WordPress, Next.js, or our custom-built plugin
  6. Go live, same-day ACH settlement, 2% flat rate

Ready?

Step 1: bookmark the link. Step 2: fill out the GMS intake form.

Start Your ACH Application → Book a call instead