13+ Easy Tips Ach Credit Vs Debit. This includes both the party making the payment and the party receiving the money. However, if you want a low processing fee for your business, an ach payment is the better option because it only costs a fraction of a credit card transaction to make a purchase.
An ach credit, on the other hand, simply. For instance, if a person pays for things with one’s bank account, the money that moves through is an ach credit. Individuals or organizations can make a direct payment via ach as either an ach credit or ach debit transaction.