Credit Card
Credit card payments are the easiest method to set up for food businesses, and credit card billing is processed the quickest. Credit card billing has a 4% platform fee.
ACH
ACH payment methods are more cumbersome to set up for food businesses (requires verification steps). However, the platform fee is lower than it is for credit cards, at 2% for any billed items.
The main differences
ACH platform fees are less than credit card (2% vs 4%)
ACH takes longer than a credit card to process (up to 7 days for ACH vs 3 days for credit card)
Credit card requires fewer steps to set up than ACH