It’s up to you as the merchant to decide what types of payment methods you want to accept. The majority of online shoppers will want to pay with a credit card or other mobile payment solution. But, there may be some people who do not have a credit card and who prefer to use direct bank transfer when shopping online. Those are the customers who will appreciate having the option to pay via ACH transfer. It’s also a good option if you offer subscription services or need to receive payment on a monthly or regular basis - with ACH payments it is easy to set up the option to take the funds from the payee’s account at a regularly scheduled time.