Payment methods: ACH vs. card
Bank transfers are cheaper and support auto-pay; cards are instant. Here’s how to choose and how bank verification works.
When you pay on Stables you can use a bank account (ACH) or a credit/debit card. Bank accounts are listed first for a reason: they carry lower fees.
The trade-offs
- Bank transfer (ACH): a 1.5% processing fee when the business passes fees on. Supports auto-pay for recurring charges, and typically takes 3–5 business days to complete (your invoice shows Processing (ACH) until it clears).
- Card: when the business passes fees on, a credit card carries a processing fee of up to 3% in most states (less, or none, where state law limits it), and a debit card none. Completes immediately.
Adding and verifying a bank account
Bank accounts verify instantly via secure bank login, or with micro-deposits: two small deposits arrive in your account within 1–2 business days, and you return to confirm the amounts and activate the account.
Some businesses accept only cards. If so, you’ll see a note that bank account payments aren’t supported and be asked to add a card.
Saved methods live in your payment settings; your bank account shows a “Lower Fees” badge and whether auto-pay is enabled.