Spire is redefining everyday payments with a merchant-branded Pay-by-Bank solution built on a full-service ACH platform. By leveraging the Discover Global Network, Spire enables payment acceptance at 99% of U.S. merchants.

With Spire, our ACH-based platform delivers industry-leading performance with 90%+ enrollment acceptance and 98%+ approval rates, while giving merchants more data, more control, and a direct connection to their customers. Every ACH-powered transaction becomes a branded, loyalty-building opportunity for merchants and a more rewarding experience for customers.

Benefits of being a Nacha Preferred Partner:

Becoming a Nacha Preferred Partner underscores Spire’s commitment to advancing ACH as the foundation for Pay-by-Bank innovation. For Spire, it provides the opportunity to collaborate with industry leaders, align with best practices, and help shape the future of the ACH Network.

For the industry, Spire brings proven adoption of ACH through a seamless Pay-by-Bank solution that strengthens security and drives loyalty. By joining the Preferred Partner program, Spire can share insights from real-world deployments, contribute to expanding ACH use cases, and help accelerate adoption of account-to-account payments at scale.

How Spire helps advance the ACH Network:

Spire advances the ACH Network by bringing ACH-based payments directly into everyday commerce through a merchant-branded Pay-by-Bank solution. Spire enables Pay-by-Bank acceptance at 99% of U.S. merchants. This expands the reach and utility of ACH while creating a frictionless experience for both merchants and consumers.

For merchants, Spire transforms ACH into a branded payment type improves settlement speed and reduces risk with guaranteed returns coverage. These savings can then be reinvested into loyalty programs, creating stronger customer relationships and expanding adoption of ACH as a preferred payment method.

For consumers, Spire makes ACH intuitive and seamless. Enrollment is simple—via app, QR code, text/email to short code or on the merchant website—and once activated, customers can pay the way they prefer.

By bridging merchant needs and consumer expectations, Spire extends the value of the ACH Network into everyday payments, advancing it as a scalable, secure, and future-ready payment method.

To learn more about Spire, visit paywithspire.com.