CardFlight adds ACH payments to SwipeSimple platform

CardFlight has added ACH payments to its SwipeSimple platform for merchants that use the service through reseller partners.

The update lets businesses accept bank-to-bank payments through invoices and payment links alongside card payments. It is aimed at service businesses that often bill customers after work is completed, including contractors, professional offices and landscapers.

SwipeSimple is used by more than 125,000 merchants, according to CardFlight. ACH transactions will appear in the same reporting, reconciliation and transaction history tools used for card payments across web and mobile.

The ACH service is provided through Nuvei, CardFlight's payments infrastructure partner for the rollout. Reseller partners already using Nuvei can offer the option immediately, while those new to Nuvei can join a promotional programme through the end of the year.

A LinkedIn post by CardFlight said it is waiving the SwipeSimple ACH software fee for all merchants through December 31, 2026.

Service focus

The move reflects growing demand from smaller businesses for more ways to collect payments without adding separate systems for different payment types. For firms that rely on invoices and remote payment links, ACH offers an alternative to card payments for customers who prefer to pay directly from a bank account.

CardFlight designed the addition to keep those payment flows within the existing SwipeSimple setup, rather than sending merchants to another provider or dashboard. The company positions SwipeSimple as a payments and business management platform for small businesses, with tools for invoicing, subscriptions, saved cards, deposits, instalments and recurring payments.

In a statement, CardFlight said the goal is to keep payment collection simple for merchants working across the field, office and back office. That includes businesses taking payments on phones, tablets, computers and compatible terminals.

"Small businesses think about getting paid, not about payment rails," said Derek Webster, Chief Executive Officer of CardFlight.

"By bringing ACH into SwipeSimple, we are meeting service businesses where they already work: invoicing for jobs and giving their customers an easy, low-cost way to pay. It's a natural expansion of what SwipeSimple does best," Webster said.

Reseller channel

The launch also underlines the importance of CardFlight's reseller network in distributing SwipeSimple to merchants. Rather than selling only direct, CardFlight works through partners that can add payment acceptance tools to their own merchant relationships.

That channel approach is central to the ACH rollout. Existing partners that already support Nuvei can switch on the service straight away, while new partners have an onboarding route tied to the same provider.

Key elements of the new offering include ACH acceptance through invoices and payment links, unified reporting and receipts across payment types, simpler reseller onboarding and a consistent merchant experience across web and mobile.

Nuvei said it provides the infrastructure that lets partners broaden the payment methods they can offer while keeping payment acceptance within a single integration. That should help merchants add another payment option without changing their day-to-day workflows.

The addition comes as payments companies seek to widen the mix of methods available to smaller merchants, especially in sectors where invoice payments remain common. For service businesses, ACH can reduce reliance on cards while keeping customer payment choice within the same checkout and billing tools.

SwipeSimple's merchant base gives the launch broad reach among smaller firms that often lack dedicated finance or technology teams. By keeping ACH and card transactions in one system, CardFlight aims to make payment administration easier for businesses that want to avoid extra reconciliation work.

ACH in SwipeSimple is available today through CardFlight's network of reseller partners.