MCA Funders & ISOs

ACH Processing for Merchant Cash Advance

The MCA industry runs on ACH. GoACH has been the payment infrastructure behind leading MCA funders since 2010 — built for high-volume daily debits, complex repayment schedules, and the compliance demands of the MCA space.

15+
Years in MCA payments
3–5 Days
Approval turnaround
ACH Only
It’s all we do

Since 2010
Trusted MCA track record
Daily Debits
High-volume scheduling
High-Risk
Approved underwriting
Real Support
Dedicated account manager

How it works

ACH is the backbone of merchant cash advance

The merchant cash advance industry has seen significant growth in recent years, providing small businesses with quick access to capital. At the center of this model is ACH processing — the secure, electronic transfer of funds between a funder and a merchant’s bank account.

Rather than sending physical checks or wire transfers, ACH allows funds to move directly between accounts on a scheduled basis. For MCA funders, this means automatic daily, weekly, or monthly repayment debits — hands-free, reliable, and compliant with Nacha rules.

GoACH was built specifically for this use case. We understand the MCA repayment model inside and out, and our infrastructure is designed to handle the volume, speed, and risk profile that comes with it.

What you get

Everything MCA funders need from an ACH processor

Daily ACH debits
Automated daily repayment pulls from merchant accounts. Reliable, scheduled, and hands-off.
Return monitoring
Real-time return rate tracking and alerts. View all ACH return codes →
Nacha compliance
Built-in Nacha rule enforcement, WEB debit authorization management, and audit-ready reporting.
API integration
Connect your MCA platform or CRM directly to GoACH via API. Automate funding and repayment workflows.
Same-day ACH
Faster funding and repayment settlement for deals that need to move quickly.
Dedicated support
A real team that understands the MCA industry — not a generic support queue.

Who we work with

Built for the full MCA ecosystem

  • MCA funders processing daily repayment debits
  • ISOs and brokers managing funding on behalf of funders
  • Stacking platforms coordinating multiple advances
  • New entrants to the MCA space
  • Established funders looking to switch processors
  • MCA software platforms needing embedded ACH via API
Common questions

Frequently asked questions

Can MCA funders get ACH processing?
Yes — but not through mainstream processors. MCA is classified as high-risk due to return rate exposure and the nature of the advance model. GoACH works with underwriters who specialize in MCA and have placed hundreds of accounts in this space.
How does ACH repayment work for MCA?
The merchant signs an ACH authorization allowing the funder to debit their bank account on a set schedule — daily, weekly, or monthly. GoACH handles the scheduling, submission, and return management for each debit automatically.
What happens when an ACH payment returns?
GoACH monitors ACH return codes in real time and flags returns immediately. We provide return rate reporting and work with you to manage Nacha return thresholds so your account stays in good standing.
Do you integrate with MCA software platforms?
Yes. GoACH offers a RESTful API that connects directly to MCA CRMs and funding platforms. You can automate funding disbursements, schedule repayment debits, and pull transaction data — all via API.

Ready to power your MCA repayments with GoACH?

GoACH has been the ACH infrastructure behind leading MCA funders since 2010. Fill out the form and get a decision within 3–5 business days.

Contact Form