@SLSemi 

Yeah, you're spot on.  It's unconscionable that they charge 1% with no cap on businesses that add the service after 9-4-23.  ACH payments are cheaper for banks to process than paper checks.  Look at Bill.com or Melio ($0.50 flat fee per ACH).  I'm not affiliated with either, but I have used Bill.com for years and have been happy with them.  However, I'm not sure they'd process a $200K transaction.