CardFlight Adds ACH Acceptance to SwipeSimple POS App

CardFlight has added ACH acceptance to its SwipeSimple point-of-sale app, according to a first-party announcement from the company. The update allows merchants to process Automated Clearing House payments alongside card transactions. New York City-based CardFlight says the feature is immediately available to merchants processing through Nuvei Corp., which provides the underlying technology.

Kevin Woodward, writing for Digital Transactions, reported the update on August 17, 2026. The announcement highlights that ACH transactions will share the same reporting, reconciliation, and transaction history as card payments within the SwipeSimple platform. CardFlight states this integration may help merchants receive funds faster.

The move targets service businesses that rely on invoicing. CardFlight aims to provide a low-cost payment method for customers paying for jobs. The company notes that adding ACH to SwipeSimple meets service businesses where they already work.

No third-party research or independent verification of the feature's performance or market impact was located. The announcement does not detail specific fees, settlement times, or technical requirements for merchants.

This update positions CardFlight to compete in the mobile POS space by offering a broader range of payment methods. ACH payments typically offer lower processing fees than credit cards, which can be attractive for high-ticket or recurring service transactions. However, ACH transactions can take longer to settle than card payments, which may impact cash flow for some merchants.

Merchants using SwipeSimple should review the updated terms and conditions to understand any changes to fees, settlement schedules, or compliance requirements. Operators should assess whether the lower cost of ACH aligns with their clients' cash flow needs and transaction volumes.

The integration of ACH into a mobile POS app reflects a growing trend toward offering diverse payment options to reduce processing costs. Service businesses, in particular, may benefit from the ability to accept bank transfers directly through their invoicing workflow.

CardFlight's announcement does not mention integration with other acquiring partners or specific industry verticals beyond service businesses. The focus remains on providing a seamless experience for merchants already using SwipeSimple for card payments.

Operators should monitor how this feature adoption impacts merchant retention and transaction volume for CardFlight and its acquiring partners. The success of this integration will depend on merchant uptake and the perceived value of lower fees versus longer settlement times.

The update underscores the importance of offering multiple payment methods in a competitive POS market. Merchants are increasingly looking for ways to reduce transaction costs without sacrificing convenience.

For operators, this means evaluating whether their current POS offerings include ACH acceptance. If not, they may need to consider adding this capability or partnering with providers that offer it.

The move also highlights the role of acquiring partners like Nuvei in enabling new payment features. Operators should maintain close relationships with their acquirers to stay informed about upcoming product updates.

Ultimately, the addition of ACH to SwipeSimple provides merchants with another tool to manage payments efficiently. It is a step toward more flexible and cost-effective payment processing for service-based businesses.