I've just started using this, but it let me use my Xero account and Stripe account to easily add ACH payment options to Xero invoice templates. I didn't need a huge application process because that's already been handled by the other two services. I've only processed one test transaction but the customer process requires just Plaid authentication (better than Stripe's deposit verification system) and then instant processing. I think the only downside is slower payment clearing, but compared to paper checks (which is the current alternative) this seems to be a winner. I just wanted a low-fee pay-by-ACH button and this seems to fit the bill.

This app is very straight-forward and easy for customers to use. Stripe bank utilization and resulting integration with Xero allows the payment to be posted when the customer initiates the debit to Stripe. So there is no mismatch when the invoice is posted as paid, even though the "final" payment is not received in the operating bank until a few days later. This avoids invoices showing as late when the customer has actually paid via ACH. So invoice reminders work well with this solution.

This app works very well and does exactly what I need it to. On top of that the customer service has been fantastic. It was easy to get it setup and continues to make it easy for our customers to pay their invoices online. Would strongly recommend.