Check Commerce

Set up a Check Commerce account through Recurly to accept ACH payments from US-based customers — covering eligibility, required documents, and gateway configuration.

Check Commerce is an ACH payment gateway available exclusively through Recurly. Merchants apply for a Check Commerce account directly from the Recurly Payment Gateways page, then connect their credentials once approved. This guide covers eligibility requirements, the application process, and connecting your account to Recurly.

Not included in Starter or Pro — contact Recurly Sales to upgrade

1Definition 2Key details 3Apply for an account 4Connect your account to Recurly

Definition

Check Commerce is a payment gateway designed specifically to accept ACH (Automated Clearing House) payments. To process ACH payments through Check Commerce, merchants must apply for and establish a Check Commerce account directly via Recurly.

Key details

Feature	Details
Services that work with Recurly	ACH payments
Supported operations	Transaction processing, refunds
Supported payment types	ACH (Automated Clearing House)
Supported card brands	N/A
Gateway-specific 3DS2 supported	N/A
Card on file supported	N/A
Regions	United States
Currencies	USD

Tip Before going live, see Recurly's guide to testing gateway configurations to verify your payment setup is working correctly.

Eligibility criteria

Before applying, confirm you meet the following requirements:

Your business must be located in the United States.
Your late failure rate must be 0.5% or lower.
Standard accounts are limited to $5,000 per transaction. Higher limits may be approved on a case-by-case basis — if approved, you'll receive two Check Commerce accounts: one for transactions of $5,000 or less, and one for transactions exceeding $5,000.

Required documents

Have the following ready before starting your application:

A voided check
A valid US driver's license
Articles of incorporation
Screenshots of your checkout flow with the required disclaimers
If one or more Principal Business Owners are based in Canada, a copy of the Principal's passport is also required

Apply for an account

Open Payment Gateways

Select Check Commerce

Click Add a New Gateway at the top right of the page, then select Check Commerce from the bottom of the list.

Confirm eligibility

If your Site Settings country is not set to the United States, the Check Commerce option won't appear and this gateway won't be available to you.

Request an account

If you don't already have a Check Commerce account, click Request an Account. You'll be redirected to Check Commerce's online application. Do not change the Referral Partner ID on that page — doing so may delay your account setup.

Connect your account to Recurly

Confirm your Recurly plan and mode

Verify that you're on the Recurly Elite plan and that your account is in production mode.

Open your credentials entry

On the Payment Gateways page in Recurly Admin, click Enter Credentials next to your Check Commerce application status.

Enter your Check Commerce credentials

Input your Check Commerce Merchant ID / Account Number (a numeric string) and your Password.

Set your max transaction amount

Enter the per-invoice/transaction maximum for your account. If left blank, this defaults to $5,000.00. If you're unsure of your approved limit, contact Check Commerce directly.

Configure gateway failover

Choose whether to include this Check Commerce instance in gateway failover logic.

Select your customer type

Choose Individual if you primarily serve end-consumers with personal checking accounts, or Business if your primary customers are B2B or business entities.

Enable Check Commerce

Set the gateway to Enabled for new transactions when you're ready to go live.

Add the gateway

Click Add Payment Gateway.

Confirm activation

After completing these steps, Check Commerce will appear in your Production Gateways list with a status of Enabled.