As eCommerce scales and more high-value transactions take place online, a question arises among enterprise sellers, real estate businesses, equipment vendors, and other high-ticket industries: Can WooCommerce do a 75,000 ACH payment?
This question goes beyond the typical $20-$200 transactions that most WooCommerce stores process. Instead, it touches on the capabilities of WooCommerce when handling large transactions through Automated Clearing House (ACH) payments — a system used in the United States for bank-to-bank transfers.
In this article, we’ll explore whether WooCommerce can support a $75,000 ACH transaction, what platforms or plugins make it possible, what limits might exist from payment gateways or banks, and how to structure your WooCommerce store to handle high-value payments securely and compliantly.
If you’re exploring this to scale a premium business, enterprise store, or custom online platform, this guide — supported by insights from Best Website Builder Group — will give you the framework to confidently move forward.
Understanding ACH and WooCommerce
ACH is a method of transferring funds directly between U.S. bank accounts. It’s different from wire transfers or credit card payments in that it’s processed in batches, often with lower fees and slower turnaround times.
By default, WooCommerce does not process ACH transactions out of the box — it’s designed primarily to work with credit cards, PayPal, and other real-time gateways. However, with the right plugins or third-party gateways, WooCommerce can be extended to support ACH.
Is It Technically Possible?
Yes, WooCommerce can do a 75,000 ACH payment — provided you:
- Use a payment gateway that supports ACH
- Ensure that the gateway and your bank allow transactions of that size
- Build proper safeguards into your checkout and confirmation process
- Comply with KYC (Know Your Customer) and anti-fraud regulations
This means the capability doesn’t lie in WooCommerce itself but rather in the payment provider integration.
Payment Gateways That Support Large ACH Transactions
Several WooCommerce-compatible gateways support ACH transactions, and some have the ability to process amounts above $75,000 — though you’ll need to confirm with them directly, as approval typically depends on your business type and history.
1. Stripe ACH (via Plaid)
Stripe allows ACH payments through a Plaid integration, verifying bank accounts securely. While Stripe typically has a soft limit for ACH around $10,000 to $25,000 for newer accounts, custom limits can be arranged.
- Setup: Requires custom onboarding with Stripe
- Limits: Vary by account, up to $100,000+ upon request
- Fees: Often around 0.8% capped at $5
To implement this, use the Stripe Payment Gateway for WooCommerce, which is official and supported.
Internal Reference: If you’re unsure how to build this into your store or need help configuring it securely, check our eCommerce integrations at Best Website Builder Group.
2. Authorize.net eCheck
Authorize.net supports eCheck (ACH) payments with high transaction limits depending on your merchant account.
- Setup: Requires an Authorize.net and a compatible merchant account
- Limits: Often $50,000+, with approval required
- Fees: Typically 0.75% or lower
There’s an official WooCommerce extension for Authorize.net to handle eCheck and credit card payments in one system.
3. NMI / USAePay / Custom Gateways
Other gateways like NMI (Network Merchants Inc.) or USAePay can also support large ACH transactions but require more custom integration work. These are often used in niche industries such as B2B sales or medical devices where ticket sizes are high.
NMI has a WooCommerce plugin available from third-party developers and works well for stores that need more control over risk modeling.
What Factors Affect the Ability to Process Large ACH Payments?
Even though WooCommerce can technically trigger a $75,000 ACH request, other parts of the transaction funnel may impose constraints:
1. Bank Limits
Your business bank account must support sending or receiving large ACH transfers. Some banks cap daily ACH limits at $25,000 or $50,000 by default. Contact your bank and request a higher threshold if needed.
2. Gateway Risk Review
Payment gateways often review large or unusual transactions manually to flag fraud or money laundering risks. Stripe and Authorize.net, for example, both conduct automated and manual risk reviews for high-value transactions.
3. Customer Verification
ACH payments may take several business days to settle. To reduce risk, most systems require bank account verification before a transaction can occur. This may involve micro-deposits or Plaid verification.
4. Transaction Speed and Refundability
ACH is slower to process (typically 3–5 days) and less forgiving than credit cards for immediate refunds or disputes. Build this into your checkout terms and customer communication.
Recommended Store Setup for High-Value Payments
If your business routinely processes high-value payments or wants to offer ACH as a secure, cost-effective option, here’s what we suggest:
- Use WooCommerce with Stripe or Authorize.net gateways
- Implement a multi-step checkout to verify buyer identity
- Avoid guest checkout — require account creation
- Use SSL and security headers to protect customer data
- Use backup plugins and monitor logs for large transactions
For enterprise stores, consider setting up a staging environment to simulate high-ticket ACH purchases before going live. This is a common strategy used in custom development setups like those provided by Best Website Builder Group.
Use Cases for Large ACH Payments in WooCommerce
- Real Estate Bookings or Deposits
- Boat or Automotive Down Payments
- High-End Course or Certification Enrollment
- Custom Furniture or Design Work
- Consulting or Professional Service Retainers
In these scenarios, ACH is often preferred over credit cards to avoid high fees or chargebacks. WooCommerce paired with a solid ACH gateway gives you the infrastructure to operate like a premium brand.
Compliance Considerations
If you’re processing $75,000 transactions regularly, you’ll need to stay compliant with:
- NACHA rules (National Automated Clearing House Association)
- PCI-DSS if storing payment details (although most gateways handle this externally)
- Data privacy regulations like CCPA or GDPR, if serving those regions
Working with a developer familiar with these concerns — such as the WordPress and WooCommerce experts at Best Website Builder Group — ensures your solution is legally sound and technically robust.
Conclusion
Yes, WooCommerce can do a 75,000 ACH payment — but it requires careful planning. With the right payment gateway, merchant bank account configuration, and WooCommerce plugin setup, it’s entirely possible to process high-value ACH transactions securely and smoothly.
For businesses moving into the realm of premium product sales or large service retainers, offering ACH gives clients a professional, trusted alternative to credit card payments — while also reducing your transaction fees.
Looking to implement this into your WooCommerce store? Best Website Builder Group can help you build and test a system designed to process high-value payments with precision, speed, and full compliance.
