# Using ACH for Seller-Financed Land Payments

**URL:** <https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731>\
**Category:** Land Investing\
**Created:** [November 9, 2025, 1:01am UTC](https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731 "2025-11-09T01:01:22Z")\
**Posts on this page:** 5\
**Page:** 1

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**Author:** ![cody1](https://avatars.discourse-cdn.com/v4/letter/c/c37758/32.png) [@cody1](https://forum.retipster.com/u/cody1)\
**Post date:** [November 9, 2025, 1:01am UTC](https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731/1 "2025-11-09T01:01:23Z")

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Hello,

I am planning on selling land on terms. I would like to use Moon Clerk and Stripe to process payments and manage loans. I recently learned that ACH payments are the ideal way to accept recurring payments. I am a little confused about how ACH works compared to credit card payments. How do you guys manage ACH payments with the customer, particularly when someone pays late or misses a payment?

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**Author:** ![donyost](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/donyost/32/2283_2.png) [@donyost](https://forum.retipster.com/u/donyost)\
**Post date:** [November 9, 2025, 11:46pm UTC](https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731/2 "2025-11-09T23:46:53Z")

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ACH is taking the payment directly from the borrower’s bank account, instead of paying through a credit card, which incurs another form of debt for the person paying. If you use ACH, I think you can also get around the usual restrictions that credit card payment gateways have against credit cards.

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**Author:** ![PatriciaRobb](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/patriciarobb/32/4032_2.png) [@PatriciaRobb](https://forum.retipster.com/u/PatriciaRobb)\
**Post date:** [November 15, 2025, 1:03am UTC](https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731/3 "2025-11-15T01:03:35Z")

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The problem I see with ACH is that it doesn’t come through for up to 5 days later. I accept it, and will mark it paid on time as long as I get notice of it on time, but I just don’t get it as quickly as with a credit card payment. Of course I like Zelle the best since it’s immediately. I haven’t had a problem with ACH though. The processing company doesn’t take as much on ACH as they do for Credit Card transfer fees cost, but it’s only a few cents difference.

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**Author:** ![mattewwade06](https://yyz1.discourse-cdn.com/flex031/user_avatar/forum.retipster.com/mattewwade06/32/5671_2.png) [@mattewwade06](https://forum.retipster.com/u/mattewwade06)\
**Post date:** [November 15, 2025, 12:42pm UTC](https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731/4 "2025-11-15T12:42:41Z")

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Using ACH for recurring payments is a smart choice. It’s cost-effective, secure, and helps streamline cash flow[.](https://realestateagentslondon.co.uk/) Just be mindful of the 1–3 day processing time and have a plan for handling late or failed payments.

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**Author:** ![cody1](https://avatars.discourse-cdn.com/v4/letter/c/c37758/32.png) [@cody1](https://forum.retipster.com/u/cody1)\
**Post date:** [November 15, 2025, 7:31pm UTC](https://forum.retipster.com/t/using-ach-for-seller-financed-land-payments/10731/5 "2025-11-15T19:31:28Z")

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That makes sense. Thank you! Do you have any tips for how to handle late or failed payments?