SwipeSimple Expands Payment Choice with New ACH Integration Powered by Nuvei

CardFlight has integrated ACH payment capabilities into its SwipeSimple platform, allowing small businesses to accept bank-to-bank transfers alongside traditional card payments. For fintech professionals, this move signals a critical shift toward unified commerce for the service sector, consolidating fragmented payment rails into a single reporting interface to reduce operational friction for SMEs.

What was announced

CardFlight, the developer of the SwipeSimple platform, has officially launched ACH acceptance to broaden the payment options available to service-based businesses. This new functionality allows merchants - specifically targeting contractors, professional offices, and landscapers - to accept secure bank-to-bank payments through digital invoices and payment links. By integrating ACH directly into the existing SwipeSimple ecosystem, CardFlight ensures that every transaction, whether via card or bank transfer, is managed through a unified reporting, reconciliation, and transaction history interface.

The technical infrastructure for this rollout is powered by Nuvei, a global payments technology provider. The partnership leverages Nuvei’s unified platform to combine local payment capabilities and intelligent optimization into a single integration. This allows SwipeSimple to maintain its signature user experience while expanding its utility for high-value transactions where bank transfers are often preferred over cards due to lower processing costs.

The rollout is being managed through CardFlight’s extensive network of reseller partners. Partners currently utilizing Nuvei can offer the ACH feature to their merchant clients immediately. To accelerate adoption among new distributors, CardFlight has introduced a promotional program for partners new to the Nuvei ecosystem, which is scheduled to run through December 31, 2026. Key features of the update include a consistent merchant experience across both web and mobile platforms and simplified onboarding for resellers.

"Small businesses think about getting paid, not about payment rails. By bringing ACH into SwipeSimple, we are meeting service businesses where they already work: invoicing for jobs and giving their customers an easy, low-cost way to pay. It's a natural expansion of what SwipeSimple does best."

Derek Webster, Founder and CEO at CardFlight.

The companies involved

CardFlight is the enterprise behind SwipeSimple, a software platform designed to help small businesses accept payments anywhere. SwipeSimple has established itself as a trusted tool for the SME market, focusing on ease of use and accessibility for non-technical business owners. The company operates primarily through a partnership model, distributing its technology through a network of financial institutions and independent sales organizations.

Nuvei is a global payments company that provides the underlying infrastructure for payment acceptance and optimization. Listed as a major player in the global fintech space, Nuvei offers a suite of tools including local payment methods, card acquiring, and risk management services. The company has recently focused on expanding its executive leadership and pioneering new technologies in the commerce space. Nuvei’s platform is designed to handle the complexity of global payment regulations and technical requirements, allowing its partners to offer sophisticated financial services without building the infrastructure from scratch. The company maintains a significant market presence, providing the backbone for various embedded finance and agentic commerce initiatives.

What FF News has reported before

FF News has closely followed Nuvei’s aggressive expansion into embedded finance and AI-driven commerce. Recently, we covered how Nuvei and BlackLine Partner to Modernize Invoice-to-Cash via Embedded Payments, a move that mirrors this latest integration with CardFlight by focusing on B2B efficiency. The company has also been at the forefront of emerging tech, as seen when Nuvei and Visa Complete Live Agentic Commerce Pilot for AI-Driven Payments. Furthermore, the firm has undergone significant internal evolution, which we detailed in our report on how Nuvei Bolsters Executive Leadership Team with New COO, CFO, and CPTO Appointments. We also noted consumer sentiment regarding these shifts in Nuvei Research Reveals Consumers Reject 'Autopilot' AI Shopping Despite Growing Adoption.

What this means

This integration is a direct response to the "margin squeeze" facing small service businesses. By adding ACH, CardFlight is giving merchants a way to bypass high credit card interchange fees on large-ticket items, such as home renovations or legal retainers, without forcing them to use a separate, clunky banking portal. For Nuvei, this reinforces their position as the preferred "plumbing" for specialized SaaS platforms. The long-term promotional window through 2026 suggests CardFlight is playing a long game to flip legacy card-only resellers into multi-rail providers. Watch for competitors like Square or Clover to face increased pressure to further simplify their own B2B bank transfer workflows.