If you’ve ever had to manually set up ACH payments for one of your boaters—you know the drill… Get their routing and banking info – punch it in – wait for microdeposits – follow up when they don’t respond – cross your fingers nothing gets mistyped.
It’s certainly not the pleasant first-time interaction you want to give your renters to get them started at your marina.
Why not just use a credit card? Truth is, some just prefer ACH. Others flat-out can’t use a card, especially for big-ticket items like seasonal dockage or service invoices. So if your marina only takes cards or setting up ACH is a nightmare, you could be losing business—or at the very least, waiting longer to get paid.
The Legacy ACH Problem
ACH has been around forever, but most marinas are stuck with clunky setups that haven’t changed much in the past twenty years. The microdeposit process alone is a mess. It can take days just to get verified, and if the boater gets distracted or doesn’t know what they’re looking for in their bank feed, it simply stalls out.
Meanwhile, your staff is stuck chasing down confirmations and cleaning up errors instead of handling more important tasks—like managing bookings, fuel sales, or making sure the docks are organized and clean.
And every day that payment doesn’t come through? That’s money you can’t count on.
How Molo Changes the Game
We built a better way—because marina operators don’t have time to babysit bank transfers.
With Molo, ACH is now boater-led. No more microdeposits. No more waiting. Just a simple, secure process that takes a few minutes, not days. Here’s how it works:
- Boater agrees to the terms.
- They pick their bank from a list.
- Log in with their credentials.
- Choose the account they want to pay from.
Done. Whether they’re on a laptop at home or navigating on their phone, they’re good to go.
What This Means for You
- Smooth ACH payments: Setup is faster. No waiting on verification.
- Less staff overhead: No more chasing microdeposits.
- Better experience for your customers: Especially those who don’t, or can’t, use a card.
- Lower fees: ACH typically costs around 1% per transaction vs. 3%+ for cards.
- Fewer drop-offs: More flexible payment options mean fewer lost rentals or missed bookings.
- Built-in security: Everything’s encrypted, and boaters control what info they share.
And because the process is scalable, it works whether you’re running a family-owned marina or managing a whole network of properties.
Ready to Ditch the Manual Work?
Let’s make ACH a no-brainer for your boaters—and your staff. Get faster payments, better margins, and fewer headaches.
Contact Molo today to learn how we can eliminate microdeposits and streamline ACH linking and verification for your marina.
