Get Paid on Time, Every Time — by ACH Debit
Waiting on customers to remember to pay is not a collections strategy, and card processors take a percentage of every dollar. With authorized ACH debits, you pull the payment on the due date — membership dues, service contracts, HOA fees, installment plans — for a flat monthly price.
Chasing Payments Is a Job You Didn't Sign Up For
Invoiced billing leaks time and money at every step
The Reminder Treadmill
Send the invoice. Send the reminder. Send the second reminder. Make the awkward call. Every "please pay" you write is time your business isn't getting back.
Card Fees Eat Your Margin
Letting customers "just pay by card" costs 2–3% of every payment, forever. On recurring billing, that's a permanent tax on your revenue.
Cash Flow You Can't Predict
When payment timing depends on when each customer opens their email, forecasting is guesswork. Debiting on the due date makes receivables a schedule, not a hope.
Recurring Collections in Five Steps
With authorization in hand, the rest is routine
1. Get Authorization
Collect a signed ACH debit authorization from each customer — NACHA rules require it, and it protects you both. Keep it on file.
2. Add Your Customers
Enter customers and their bank details once, or import them from a CSV. They're saved to your recipient directory for every future cycle.
3. Prenote First
Send a zero-dollar test to verify each account before the first real debit — catching a bad account number before it becomes a bounced collection.
4. Build the Debit File
Select customers, set amounts and the effective date, and generate a validated NACHA debit file for the whole cycle at once.
5. Transmit on Schedule
Send it to your bank via SFTP — automatically on the 1st of every month if you like — or download and upload it yourself.
Built for Recurring Billing
Returns handled, cycles repeated, surprises decoded
Returns in Plain English
When a debit bounces, FiSTWorks reads your bank's return file and tells you what happened — R01 is insufficient funds, R02 is a closed account — and which customer to follow up with. No NACHA manual required.
Same File, Every Cycle
Save your collection run as a template and clone it each period. Scheduled transmissions deliver it to your bank on the due date — with an approval step so nothing goes out without a human sign-off.
Every Debit Validated First
Account numbers, routing numbers, amounts, and dates are all checked against NACHA rules before the file is generated — so errors surface on your screen, not as returns.
Ready to Stop Chasing Payments?
Create your account and collect your next billing cycle by ACH debit.
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