> What businesses allow you to pay via ACH?

Pretty much anyone with a Stripe account can accept payments via ACH.

https://stripe.com/docs/payments/ach-debit

I worked at an ISP and we definitely appreciated it when our customers paid via ACH instead of credit card. (Less fees.) We were tiny, too; you don't have to be a giant company to get this going.

Stripe is still "your bank".

Of course they still take personal checks. How else would elderly granny that does not trust "plastic" pay? Some would do it with cash, but many have paid with checks their whole lives, and will not stop until they drop dead.

And it certainly used to be common for e-commerce sites to accept "electronic checks" by having you type in the routing and account numbers, with no additional verification. These days, there usually is additional verification.

It is still commonly accepted with no verification for payment for things like utility bills. This appears to be on the assumption that if there is check fraud they probably know the guilty party, because who else would be trying to pay your power bill?

Happens plenty in B2B but, again, reputational risk is involved