Add Funds to Your Agency Wallet Using ACH Direct Debit

Modified on: Fri, 31 Jul, 2026 at 9:56 AM

Billing & Payments

Add Funds to Your Wallet Using ACH Direct Debit

Save on processing fees by topping up your agency wallet with ACH bank transfers for payments over $1,000

What You'll Learn

HighLevel agencies can now fund their wallet using ACH direct debit (US bank transfer) in addition to credit or debit cards. This payment method is specifically designed for high-value top-ups and offers significant cost savings compared to card payments.

This article explains ACH eligibility requirements, cost differences, processing times, and step-by-step instructions for adding funds to your wallet using ACH direct debit.

Table of Contents

What is ACH Direct Debit for Wallet Top-Ups?

Key Benefits

Eligibility Requirements

Cost Comparison: ACH vs. Card Payments

How to Add Funds Using ACH Direct Debit

Frequently Asked Questions

What is ACH Direct Debit for Wallet Top-Ups?

ACH (Automated Clearing House) direct debit is a bank-to-bank electronic payment method that allows HighLevel agencies to transfer funds from their US bank account directly into their agency wallet. This method is specifically optimized for high-value deposits and provides a cost-effective alternative to credit or debit card payments.

When you select ACH as your payment method in the "Add balance" modal, funds are withdrawn from your bank account and deposited into your HighLevel wallet after a settlement period of 3–10 business days. This longer processing time is offset by significantly lower transaction fees compared to instant card payments.

ACH direct debit is available exclusively to agency-level accounts and is not accessible in location (sub-account) wallets.

Key Benefits

ACH direct debit offers several advantages for agencies making large wallet deposits:

Significant Cost Savings — ACH processing costs only 0.8% per transaction (capped at $5), compared to approximately 3% for card payments. On a $10,000 deposit, you save approximately $295 in processing fees.

Optimized for High-Value Transactions — With a $1,000 minimum deposit requirement, ACH is designed specifically for agencies making substantial wallet top-ups.

Direct Bank Integration — Funds transfer securely from your US bank account without requiring credit card limits or approval.

Maximum Fee Cap — The $5 maximum fee means even extremely large deposits (e.g., $50,000+) never exceed $5 in processing costs.

Eligibility Requirements

To use ACH direct debit for wallet top-ups, your account must meet the following criteria:

Requirement 1

US-Based Agency

Your agency must be based in the United States. ACH direct debit is not available to agencies located outside the US or to international bank accounts.

Requirement 2

Minimum Deposit Amount

ACH top-ups require a minimum deposit of $1,000. This threshold ensures the payment method is used for its intended purpose: high-value transactions where cost savings are most meaningful.

Requirement 3

Agency-Level Access Only

ACH direct debit is available exclusively in the agency wallet. Location (sub-account) users will not see this payment option when attempting to add funds to their location wallet.

Cost Comparison: ACH vs. Card Payments

Understanding the cost difference between ACH and card payments helps you make informed decisions about which payment method to use for wallet top-ups. The table below illustrates processing fees for common deposit amounts:

Deposit Amount	Card Fee (≈3%)	ACH Fee (0.8%, max $5)	Savings
$1,000	$30.00	$5.00 (capped)	$25.00
$5,000	$150.00	$5.00 (capped)	$145.00
$10,000	$300.00	$5.00 (capped)	$295.00
$50,000	$1,500.00	$5.00 (capped)	$1,495.00

Cost Savings Tip

The $5 maximum fee cap means ACH becomes exponentially more cost-effective as deposit amounts increase. For deposits of $625 or more (where 0.8% equals $5), you pay only $5 regardless of the total amount.

How to Add Funds Using ACH Direct Debit

Follow these steps to top up your agency wallet using ACH direct debit:

Step 1

Navigate to Wallet & Transactions

From your agency account, go to Settings → Billing. Click the "Wallet & Transactions" tab to view your current wallet balance.

Step 2

Open the Add Balance Modal

Click the "+ Add" button in the top-right corner of the Wallet & Transactions section. The "Add balance" modal will open, displaying your current balance and the subtitle "Add money to your wallet manually via card or ACH direct debit."

Step 3

Enter Deposit Amount

In the "Amount" field (showing "$ Enter amount" as placeholder text), type the dollar amount you want to add to your wallet. You must enter at least $1,000 to unlock the ACH payment option.

Step 4

Select ACH Direct Debit Payment Method

Under "Payment Method," you'll see two radio button options:

Pay with credit/debit card — Shows "Charged instantly to your default card on file" (selected by default)
Pay with ACH direct debit — Shows "3-10 business days" with a "$1000+" badge (only visible when amount is $1,000 or more)

Select the "Pay with ACH direct debit" option to proceed with bank transfer.

Step 5

Complete the Transaction

Click the "Add" button at the bottom-right of the modal to proceed. You'll be directed to a secure bank connection flow where you can authorize the ACH withdrawal from your US bank account. Follow your bank's authentication process to complete the setup.

Step 6

Wait for Settlement

Once authorized, your ACH transfer will be initiated. Funds typically settle within 3–10 business days. You can monitor the transaction status in your Wallet & Transactions tab. Your wallet balance will update automatically once the transfer completes.

Important

Ensure your bank account has sufficient funds to cover the deposit amount plus the 0.8% processing fee (max $5). Failed ACH transfers due to insufficient funds may result in processing delays or additional bank fees.

Frequently Asked Questions

Q: Why can't I see the ACH payment option in my Add Balance modal?

ACH direct debit is only visible when three conditions are met: (1) Your agency is US-based, (2) you're accessing the agency-level wallet (not a location wallet), and (3) your deposit amount is at least $1,000. If you're in a location account or entering less than $1,000, only the card payment option will appear.

Q: How long does it take for ACH deposits to show in my wallet?

ACH transfers typically take 3–10 business days to settle. The exact timing depends on your bank's processing schedule and the ACH clearing network. You can track the transaction status in your Billing Dashboard under Wallet & Transactions.

Q: What are the actual processing fees for ACH deposits?

ACH deposits are charged 0.8% of the transaction amount, with a maximum fee cap of $5 per transaction. This means deposits of $625 or more will always cost exactly $5, regardless of size. Compare this to card payments, which typically cost approximately 3% with no cap.

Q: Can I use ACH for urgent wallet top-ups?

No. ACH is designed for planned, high-value deposits where cost savings outweigh speed. If you need immediate funds availability, use the "Pay with credit/debit card" option, which processes instantly. Consider maintaining a buffer balance to avoid urgent top-up situations.

Q: Can my sub-accounts (locations) use ACH to fund their wallets?

No. ACH direct debit is available exclusively at the agency level. Location wallet top-ups can only be processed via credit or debit card. This restriction ensures proper financial oversight and reconciliation at the agency level.

Q: What happens if my ACH transfer fails?

Failed ACH transfers are typically caused by insufficient bank funds, closed accounts, or incorrect bank details. You'll receive a notification if your transfer fails. Check your bank account status and balance, then initiate a new transfer. Your bank may also charge a returned payment fee.

Q: Is there a maximum limit for ACH deposits?

HighLevel does not impose a maximum ACH deposit limit at the platform level. However, your bank may have daily or per-transaction ACH limits. Contact your bank to confirm their ACH debit authorization limits before attempting large deposits.

Q: Will my bank information be stored securely?

Yes. HighLevel uses secure, encrypted connections through certified payment processors to connect your bank account. Your bank credentials are never stored on HighLevel servers. Each ACH authorization follows banking industry security standards and requires your bank's multi-factor authentication.