Overview
Why register as a Third Party Sender?
Running ACH doesn't require TPS registration — but for platforms processing high volume or high ticket transactions, it's by far the best path. As a registered Third Party Sender, you gain direct control over your ACH operations. That means setting your own risk rules, managing your merchant portfolio on your terms, and unlocking the ability to monetize float on funds in transit.
The economics are significantly better too. Processing through a bank as a registered TPS means lower fees than going through a third-party aggregator. For platforms with meaningful ACH volume, the difference in cost per transaction adds up quickly.
With dhango, your platform registers as the TPS and owns the relationship. dhango operates behind the scenes — handling funds movement, providing compliance tooling, and giving you the infrastructure to set and enforce your own risk rules. You choose your own ODFI, and dhango gives you a complete ACH solution with full control, without building any of it from scratch.
Benefits
Why being third party sender matters
Full Control
Set your own risk rules, manage your merchant portfolio, and control your ACH processes end to end.
Lower Fees
Processing through a bank as a registered TPS means significantly lower fees than going through a third-party aggregator.
Float Monetization
Monetize the float on funds in transit, creating an additional revenue stream for your platform.
Your Risk Rules
Define and enforce your own risk parameters. dhango provides the tooling — you set the policies.
High Volume & High Ticket
TPS registration is the best approach for platforms processing high volume or high-value ACH transactions.
Compliance Infrastructure
Merchant due diligence, transaction monitoring, and audit requirements are built into the dhango platform.