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Payment Solutions
Accept electronic checks and bank transfers, pay less, and get paid faster.
Give your Puerto Rico business a lower-cost way to get paid. With electronic check acceptance and ACH processing from Caribbean Payments, you can take eChecks and direct bank transfers, cut the percentage fees that come with cards, and keep recurring and B2B payments flowing without a hitch.
Why check & ACH
Turn paper checks into secure digital payments. Capture and convert checks at the counter or online, verify funds in real time, and skip the trip to the bank — every eCheck settles straight to your account.
Pull payments directly from your customer's bank account through the ACH network. Ideal for invoices, memberships, and large-ticket sales where paying by card isn't practical or affordable.
ACH and electronic check transactions typically carry a small flat fee instead of a percentage of every sale. On higher-ticket and recurring payments, that difference protects real margin month after month.
Automate rent, retainers, subscriptions, and supplier invoices with scheduled ACH debits. Fewer declines, no expiring card numbers, and predictable cash flow for the payments you count on.
How it works
Your customer provides their bank routing and account number in person, online, or over the phone — or hands you a paper check you scan and convert into an electronic transaction.
The transaction runs through secure bank verification to confirm the account is valid before the debit is submitted, reducing returns and the risk of insufficient funds.
The payment is batched and routed through the Automated Clearing House — the same trusted rails that move direct deposits and bill payments across the U.S. and Puerto Rico.
Money moves from the customer's bank to yours, typically within one to a few business days. Track every payment through clear, real-time reporting.
Frequently Asked Questions
Electronic check acceptance is a way to take check payments digitally instead of handling paper. Your customer's bank routing and account details — captured in person, online, or by scanning a paper check — are converted into a secure electronic transaction. The funds are then pulled from their account and deposited into yours, without a physical check ever leaving your business or a trip to the bank.
ACH processing moves money directly between bank accounts through the Automated Clearing House network — the same rails behind direct deposit and online bill pay. You collect the customer's bank details, the transaction is verified and authorized, then it's batched and submitted through the ACH network. Funds typically settle to your account within one to a few business days, making it a dependable option for invoices and recurring billing.
Card transactions usually cost a percentage of each sale, which adds up fast on large or recurring payments. Electronic checks and ACH transfers generally carry a small flat fee instead, so you keep more of every dollar. There are no cards to expire or reissue, fewer interruptions to recurring billing, and it's an ideal fit for B2B, high-ticket, and subscription payments where card fees eat into margin.
Yes. ACH and electronic check payments move through a regulated, bank-to-bank network with encryption and real-time account verification to confirm funds before a debit is submitted. This lowers the risk of returned payments and fraud. Caribbean Payments builds every solution to meet PCI and banking security standards so your customers' data stays protected.
Get in touch with us today and let’s start transforming your business from the ground up.
