Cobalt ACH eCheck Integration: Secure, Low-Cost Payments for Liquor Stores

Unlock fast, affordable, and secure ACH eCheck payment processing with Cobalt. Built for high-volume liquor retail operations, our solution—powered by NMI and Paya—helps you cut costs, speed up funding, and simplify digital payments.

See Pricing

Just getting started?

Lower Processing Costs

ACH fees are significantly lower than credit card rates, making this the perfect solution for recurring, B2B, and large transactions.

Seamless Virtual Terminal Integration

Process ACH payments, issue refunds, and track transactions via NMI’s secure Virtual Terminal—included with your Cobalt account.

Faster Access to Funds

Choose next-day or same-day ACH options to improve cash flow and reduce the delays of paper checks.

Streamlined Onboarding with NMI + Paya

Our automated onboarding process pulls your existing merchant data to pre-fill forms and accelerate approvals.

ACH Workflow: How It Works

  • Step 1: Submission – Your customer securely enters payment details online.

  • Step 2: Authorization – Payment is verified through the bank network.

  • Step 3: Fraud Check – System performs security and behavior screening.

  • Step 4: Clearing – Batch submitted to the ACH network.

  • Step 5: Settlement – Funds move between banks.

  • Step 6: Funding – You receive the payment, less processing fees.

Enterprise-Grade Security

  • SSL/TLS Encryption – Secure transmission of all data.

  • Tokenization – Sensitive information replaced with tokens.

  • 3D Secure (3DS) – Optional multi-layer authentication.

  • PCI DSS Compliant – Built to meet the highest industry standards.

  • AI-Powered Fraud Screening – Real-time alerts for suspicious activity.

Use Cases for Liquor Stores

  • Retail & B2C Sales – Accept ACH eCheck payments from individual customers.

  • B2B Distributor Payments – Send or receive large transactions from partners.

  • Embedded in Cobalt Platform – No extra logins or third-party tools required.

  • Subscriptions & Reorders – Automate recurring payments from VIPs or clients.

Why Cobalt’s ACH Integration?

  • Built for high-volume, high-ticket businesses

  • Backed by fast onboarding through NMI + Paya

  • Designed to cut fees, reduce paperwork, and simplify payments

  • Protected by enterprise-level encryption and fraud monitoring

B2B Payment Experts

Let’s build a solution that fits your business needs.

Explore what Cobalt can do for you.

  • Merchant Services 🡪

  • Agent Program 🡪

  • Payment Processing Solutions 🡪

  • Marketing & Web Design 🡪

  • Clover POS 🡪

Build a plan that suits your Business

Explore some of our plans and book a free demo tailored to your business needs

Starter

Operate your business with a powerful POS system to efficiently manage transactions and customer interactions at your main service station.

Starting at

$135 /month for 36 months

  • Station Solo POS system with a 14″ screen

  • Full access to all updates

  • 24/7 Support

Standard

Improve your front-end operations with a versatile handheld POS system, allowing you to handle transactions and customer interactions seamlessly at your service desk or on the go.

Starting at

$195 /month for 36 months

  • Station Solo POS system with a 14″ screen

  • Handheld Flex for on-the-go payments
  • Full access to all updates

  • 24/7 Support

Pro

Streamline your entire business by integrating front-end and back-end operations, and efficiently handle complex workflows with comprehensive management tools.

Starting at

$300 /month for 36 months

  • Station Duo POS system w/ merchant 14″ + customer 8″ screens

  • Station Solo POS system with a 14″ screen

  • Handheld Flex for on-the-go payments
  • Full access to all updates

  • 24/7 Support

See what else Cobalt can do for you

We offer a variety of services to help merchants run their businesses

Is Clover Right for My Restaurant?

Clover is specifically designed for restaurants and trusted by many of America’s top full-service dining establishments.

What Does Clover Cost?

Learn about our pricing and build the perfect POS system for your business.

Discover Popular Features

Discover the features that businesses from clothing retailers to full-service restaurants rely on.

Packages for New Business

Explore packages designed to support newly opened establishments.

Get started with Cobalt today

Schedule a free demo and our experts will help you evaluate your business needs