MassPay Insights

The Cross-Border Complexity Problem – Are ACH Payments Stalling Your Global Expansion?

Written by Chris Rechtsteiner | Apr 9, 2025 1:15:00 PM

How much time does your finance team spend navigating the patchwork of ACH networks across different countries?

 

Expanding globally comes with a hidden challenge: ACH networks are not universal. Each country operates its own set of rules, regulations, and clearing times, making international ACH transactions unpredictable and inefficient.

 

The True Cost of Cross-Border ACH Limitations

 

  • Different Settlement Times: U.S. ACH (2-3 days) vs. SEPA in Europe (1-2 days) vs. BACS in the UK (3 days).
  • High Failure Rates: Banking details errors, compliance rejections, and currency mismatches.
  • Hidden Fees: Cross-border ACH incurs intermediary bank charges and FX conversion costs.

 

The Solution: Automated Global Payment Orchestration

 

By leveraging a Payment Orchestration platform, businesses can seamlessly route payments through the most efficient local rails, ensuring faster settlement, compliance, and cost efficiency. Instead of relying on one ACH network, companies can switch dynamically to real-time payment alternatives.

 

  • Simplified Global Expansion: Ensure seamless international payouts while reducing regulatory headaches.
  • Lower FX and Processing Costs: Avoid costly intermediary fees with direct local disbursements.
  • Automated Compliance: Meet local banking standards without manual intervention.

 

Unlock Global Growth Without Payment Barriers

 

Cross-border disbursements don’t have to be complex. Leverage Payment Orchestration for seamless, scalable payouts.

 

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