SyncroACH™ rates
What each vendor payout, bank transfer and return costs. A $25 monthly program fee on your subscription, plus flat fees per transaction — never a percentage of the payout — totaled and billed once a month.
| Transaction | Fee |
|---|---|
| Standard ACH payoutSettlement paid to a vendor’s bank account | $1.37 |
| Same-day ACH payoutSame send schedule, faster arrival — often the same day | $2.49 |
| Instant bank transferSent over the RTP or FedNow networks | $3.49 |
| Instant payoutFunds pushed instantly to the recipient | $2.49 |
| ACH debitPulling funds from a connected bank account, including a vendor’s opt-in auto-debit | $1.37 |
| Instant payment inFunds pulled instantly from the payer | $2.49 |
| Paid invoicePer invoice paid, including through a payment link | $1.37 |
| Event | Fee |
|---|---|
| Returned ACH, authorizedFor example insufficient funds or a closed account | $10.00 |
| Returned ACH, unauthorizedThe account holder says they did not authorize the debit | $20.00 |
| Notification of changeThe bank sends corrected account details | $1.37 |
| Card dispute | $25.00 |
| Item | Fee |
|---|---|
| SyncroACH™ program feePer store, added to your Syncrostore subscription | $25.00/mo |
| Vendor connectionOne-time, per verified vendor bank account — when it applies | $1.37 |
| Instant bank account verificationOptional, instead of waiting for micro-deposits | $3.49 |
| Wallet setupOne-time, per verified account | $0.56 |
| PCI compliance fee | $0 |
| Payment acceptance account fee | $0 |
All fees are in US dollars, charged per completed transaction unless noted. The $25 program fee is added to your monthly Syncrostore subscription. No percentage of the payout, no minimums. Stores on a negotiated or group plan are billed at the rates in their agreement.
One bill a month, and you decide who carries it
Billed once a month
SyncroACH™ fees are totaled and collected at the end of each calendar month from your Syncrostore Wallet. If the Wallet is short, the difference is debited from your connected bank account. The $25 program fee is billed with your Syncrostore subscription instead.
Store or vendor pays
You can absorb payout fees or pass permitted fees to the vendor being paid. Most malls pass the payout fee to the vendor, since it is the cost of getting their money to their bank.
On the statement
Every payout carries the itemized statement behind it — sales, commission, rent, fees and holdbacks — so a vendor can check a fee without calling you.
SyncroACH™ questions
Do I have to use SyncroACH™?
No. SyncroACH™ is optional. You can still print checks from the same settlement run, with the statement attached, and the ledger records both the same way.
When does the money move?
Payouts and deposits are sent the same business day they are initiated. Anything initiated after 4 pm Central, on a weekend or on a bank holiday goes out the next business morning. From there, standard ACH ($1.37) usually reaches the bank within one to two business days, and same-day ACH ($2.49) arrives sooner, often the same day.
When is the $1.37 vendor connection fee charged?
Once for each bank account a vendor connects and verifies. Reconnecting the same account costs nothing, and neither does a vendor who sells in several of your locations — or already verified that account at another Syncrostore store — since the existing verified connection is reused. Only a new, different bank account is another $1.37.
Can vendors pay what they owe automatically?
Yes. Vendors can opt in to auto-debit, so anything they owe the store — rent or fees their sales did not cover — is pulled from their bank account by ACH instead of chased by hand. Each debit is a standard $1.37 ACH debit, and it lands on the vendor’s ledger like any other payment.
Who moves the money?
SyncroACH™ is set up inside Syncrostore and supported by our team. Transfers run over the ACH, RTP and FedNow networks through our banking and payment partners, so you have one company to call when a payout needs attention.
Why does a return cost more than a payout?
When a payout is returned, the vendor’s bank has sent the money back — usually because the account number was wrong or the account was closed. The payout then has to be tracked down, corrected and sent again, and the fee covers that extra work. Vendors connect their own bank accounts and verify them with micro-deposits before any money moves, which catches most mistyped account numbers. The returns that still happen are usually a vendor closing an account without updating it.
See a settlement pay out
Thirty minutes in the real software. We will run a settlement cycle and show you exactly what reaches each vendor’s bank.