Process through multiple networks with one API


Automated Clearing House

The ACH Network is the center of commerce in the U.S., moving money and information between accounts through Direct Deposit and Direct Payment.

Same Day ACH

ACH Network

Banks can now send and receive ACH payments with same-day settlement if processed before 1PM EST


Real-Time Payments

The Clearing House's RTP system empowers consumers and businesses to send and receive payments instantly from their bank accounts.

Web Payments Platform

Fully customizable, white-labeled payments platform to accept and manage payments, donations, and bills
  • Standalone website or embedded into your current site
  • Process recurring, one-time, and scheduled payments
  • Mobile friendly - works on any screen size
  • Little to no integration work!

Boost recurring payment programs

Use direct bank payments to reduce card declines and churn rates.


Fewer Declines

Less than 1% of recurring bank account debits are returned while 3-5% of CNP payments are declined regularly. Save your customers from a poor experience and convert to direct bank payments.


Lower Churn Rates

Many declined payments turn into involuntary churn when customers don't update their payment data. Stop involuntary churn in its tracks by trimming declined CNP payments.

Build a flexible payment model

Bank Agnostic

Process payments through our bank partners or let the Frog team integrate directly with your financial institution.

ROI & Settlement

Choose from a host of enrollment, risk, and settlement options that best fit your brand's preferences for user experience.

User Experience

Combine real-time, same-day, and traditional payment networks for a tailored experience that exceeds all customer expectations.

Compliance you can trust

AAP Oversight

On-staff Accredited ACH Professionals (AAP) provide guidance with NACHA, CFPB, and other regulatory rules to remain compliant while industry-leading KYC verifications ensure you do business with the right customers.


Getting paid shouldn't cost so much

The number of pennies it costs to accept a $50 online payment:


ACH Payments


Debit Card (CNP)


Credit Card (CNP)



White-labeled for any environment



Transact and immediately settle funds to an account 24/7/365.



Debit and credit accounts with settlement on same business day.



Authorize a payment in real-time and transact with confidence.



Enroll bank accounts instantly and schedule ongoing payments.