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Payments · ACH — in & out
Money in. Money out. One set of rails.
Families pay tuition and dues by $1 flat ACH; the institution pays payroll, vendors and reimbursements out the same rails — with approvals, scheduling, and every movement on one ledger.
$1 flat per ACHNever surchargedVendors & payroll outDual-approval controlsOne ledger
613OS is a financial technology company, not a bank. Banking services, deposit accounts, and cards are provided through licensed partner banks, Members FDIC. Yield rates variable and subject to change; deposit insurance applies through partner banks up to applicable limits. Card programs subject to approval.
$1 flatto move tuition or dues by ACH — instead of 2–3% card fees
0%surcharge on ACH, ever
$25returned payment — at cost, and most never get there
1 ledgerfor every dollar in and every dollar out
Sound familiar?
The problems we built for
01 · Card fees on money that didn't need themTuition on autopay by credit card costs the institution 2–3% for no reason — ACH moves the same money for $1 flat.
02 · Paying out is still paperVendor checks printed, signed by two board members and mailed — while reimbursements wait weeks and payroll runs on a separate system.
03 · No controls, no trailWhoever holds the checkbook holds the process. Approval flows, audit trails and scheduled payments don't exist.
What you get
Built for your money
$1 flat ACH for familiesBank-transfer tuition, dues and donations for $1 flat — paid by the family by default, or covered by the institution. The default rail for recurring payments.
Smart failed-payment recoveryInsufficient-funds retries timed intelligently, with polite notifications — recovering the majority of failed pulls without a phone call.
Outgoing vendor paymentsPay the caterer, the bus company and the insurance bill by ACH from the platform — scheduled, approved and logged.
Payroll & reimbursement disbursementsStaff reimbursements and payroll-adjacent transfers out by ACH — same-day options when it matters.
Approval controlsDual-approval thresholds, role-based permissions and a complete audit trail on every outgoing dollar — board-grade controls.
One ledger for every movementEvery dollar in and out on one reconciled ledger, exportable to QuickBooks — your bookkeeper's new favorite thing.
Money in
The 10-pay plan that costs $10 a year to collect — or nothing
Ten pulls, $1 each — and by default the $1 sits on the family's side of the statement, so the institution collects a $14,000 tuition for nothing.
Plan10-pay · $1,400 / monthMethodChecking ••6710ACH fee$1.00 · paid by familyCard fee avoided$40.90 per paymentNext pullNov 1 · reminder sent 3 days beforeLast pullOct 1 · cleared · receipt sent
Switch to card Update bank
Sample data. Families switch between card and bank themselves in the portal; the office never retypes a routing number.
$1, not 2.9% + 30¢On a $1,400 monthly tuition payment, ACH saves $40.90 every month. Across a school, that is the difference nobody was scrutinizing.
Self-service bank switchA parent moves from card to ACH in the portal in one minute. Autopay keeps running through bank changes and life.
Reminded before the pullA reminder goes out before each scheduled debit — fewer returns, fewer awkward calls, and a $25 returned-payment fee most families never see.
Money out
Vendor payments with two approvals and a trail
Scheduled, approved and logged — the caterer gets paid on time, the board can see who approved it, and nobody prints a check.
| Payee | Amount | Approvals | Scheduled | Status |
|---|---|---|---|---|
| Sample Caterer | $6,200.00 | 2 of 2 | Thu | Scheduled |
| Sample Bus Co. | $3,850.00 | 2 of 2 | Fri | Scheduled |
| Insurance premium | $2,140.00 | 1 of 2 | Fri | Awaiting approval |
| Staff reimbursement · M. | $184.50 | 1 of 1 | Today | Sent · same-day |
| Aid disbursement · Family 22 | $900.00 | 2 of 2 | Mon | Scheduled |
Sample data. Every row carries who requested it, who approved it, and the invoice it belongs to.
Thresholds your board setsUnder $500, one approver; over it, two. Permissions by role, not by who has the password.
Scheduled, not rememberedRecurring vendor bills go out on their date. Same-day when something can't wait.
A trail for the auditEvery outgoing dollar logged with requester, approvers, timestamp and attachment — exported to the books.
We specialize in lowering card rates for 501(c)(3) organizations: schools and shuls typically save 30–40% on card fees after we take over the account.
No-cost option: compliant surcharging or a pass-through line on your own tuition contract or dues statement — the institution pays nothing to accept cards, and ACH is never surcharged.
Every other platform earns more when you spend more. 613OS earns more when you collect more.
We earn on what flows through the platform — that's the whole model. ACH $1 flat · cards 2.9% + 30¢ · returned payment $25 at cost · never a per-family fee.
Explore more
Related
Banking & yieldSame-day deposit availability and interest on operating balances and payroll-tax buckets.Learn more →Expense cardsPhysical and virtual cards with per-card budgets and receipts captured at purchase.Learn more →Payroll integrationNew-hire records and staff changes flow to your payroll provider.Learn more →
Frequently asked questions
What does an ACH payment cost?
$1 flat, any amount. By default the family or member pays it; the institution can choose to cover it. ACH is never surcharged. A returned payment is $25, at cost.
Why move tuition by ACH instead of card?
Tuition on autopay by credit card costs the institution 2–3% for no reason. The same $14,000 tuition moves by ACH for $1 — and the family can switch to bank payment themselves in the portal.
What happens when a bank pull fails?
Insufficient-funds retries are timed to when accounts actually recover, with polite notifications and a self-service link — recovering the majority of failed pulls without a phone call. The office is involved only when automation has been exhausted.
Can we pay vendors and staff out of the same system?
Yes. The caterer, the bus company, the insurance bill, staff reimbursements and payroll-adjacent transfers go out by ACH from the platform — scheduled, approved under your dual-approval thresholds, and logged on the same ledger as money in. Same-day options when it matters.
Who can approve an outgoing payment?
Whoever your board decides. Role-based permissions, dual-approval thresholds and a complete audit trail on every outgoing dollar — board-grade controls instead of whoever holds the checkbook.
Does it reconcile to QuickBooks?
Every dollar in and out sits on one reconciled ledger, itemized by family, campaign and vendor, and exports to QuickBooks or any accounting system.
Let's talk about your numbers
Bring a recent processing statement and bank statement to your demo — we'll show you the savings and the yield, line by line.
613os.com/demo · 305-954-7362 · yoni@613os.com