How It Works

Paying for educational software with ACH bank transfer is simple, secure, and fast. Here's everything you need to know.

The Process

Four simple steps to get licensed.

1

Browse & Select Software

Explore our catalog of educational software titles. Each product is carefully selected for college students across all major fields — from engineering to design, development to statistics.

No account creation needed. Simply reach out to us and we'll set everything up.
2

Receive Virtual Bank Account Details

Once we create a payment request, Stripe generates a unique virtual bank account number specifically for your transaction. This includes a routing number, account number, and a reference code.

Each payment gets its own unique virtual account — making reconciliation automatic and accurate.
3

Send ACH Transfer from Your Bank

Log into your personal bank's online portal or mobile app. Initiate an ACH transfer (often called "electronic transfer" or "bill pay") using the virtual account details provided. Include the reference code in the memo field.

ACH transfers typically settle within 1-3 business days. Domestic wire transfers settle the same day.
4

License Activation

When Stripe detects the incoming funds, the payment is automatically reconciled against your invoice. We then activate your software license and send confirmation with download instructions.

We also provide a professional invoice for your records — perfect for reimbursement or tax purposes.

Important Information

Key details about ACH bank transfer payments through Stripe.

⏱️

Settlement Timing

ACH transfers typically arrive within 1-3 business days. Domestic wire transfers (Fedwire) settle the same day if sent before the bank's cutoff time.

💰

Overpayments & Underpayments

If you send more than the invoice amount, the excess stays in your customer balance for future payments. If you send less, the payment remains open until fully funded.

🔐

Security

All payments are processed by Stripe, a PCI Service Provider Level 1. Your bank account details are never shared with us — only the virtual account number is visible.

🔄

Automatic Reconciliation

Stripe automatically matches incoming transfers using the reference code and amount. This means your payment is applied instantly without manual intervention.

📋

Digital Invoices

Every transaction generates a professional digital invoice with full bank transfer instructions, reference codes, and payment status tracking.

🌎

International Transfers

International wire transfers (SWIFT) are also supported. These typically arrive within 1-5 business days and may incur additional fees from intermediary banks.

Frequently Asked Questions

Common questions about ACH bank transfers and our platform.

What is an ACH bank transfer?
ACH (Automated Clearing House) is a US electronic funds transfer system. It allows you to send money directly from your bank account to another — similar to wiring money but typically with lower fees and slightly longer settlement times (1-3 business days).
Do I need a credit card?
No. ACH bank transfer uses your regular bank account — no credit card required. Simply log into your bank's website or app and initiate a transfer using the virtual account details we provide.
How do I find my routing and account numbers?
Your bank's routing number and your personal account number are found on your checks or in your bank's online portal. We provide the virtual account details you send money TO — you use your own bank account to send FROM.
How long does payment take to process?
ACH transfers typically settle within 1-3 business days. Domestic wire transfers can settle the same day. International transfers may take 1-5 business days.
What if I send the wrong amount?
If you overpay, the excess funds remain in your customer balance and can be applied to future purchases. If you underpay, the invoice remains open until the full amount is received. Contact us if you need assistance.
Is my financial information secure?
Yes. All payments are processed by Stripe, which is PCI DSS Level 1 compliant — the highest level of payment security. We never see or store your personal bank account details.