How do ACH fees compare to credit card fees?

ACH processing typically costs $0.20-$1.50 per transaction flat, making it far cheaper than card processing for large transactions. On a $5,000 B2B payment, ACH costs under $1 while a card would cost $145+. The tradeoffs: ACH takes 1-3 days to settle (vs instant card authorization), and returns (failed debits) can take days to discover.