Q&A: Is is legal to require payment by ACH?
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Q&A: Is is legal to require payment by ACH?

Question by RMich: Is is legal to require payment by ACH?
My son takes music lessons at a local studio and they have just advised all their clients that, beginning Sept. 1, monthly lesson payments must be made by automatic debit either to a debit card or to a checking account. Can they do that? I mean, legally? It strikes me as a violation of consumer rights but I’m no lawyer. (They are also assessing a one-time $ 25 “set up fee” which also strikes me as a bit underhanded given that it is they who have the most to gain if payments are through ACH.)

Best answer:

Answer by malica
They can ask for payment how ever they want. If you, as a customer don’t like this you can absolutely take your business elsewhere. Nothing illegal here.

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Comment (2)

  • You’d have to check your state law about charging a set up fee. I would inquire about PayPal or about cash payments (in advance) to avoid the fee. As a consumer, you have the right to decline and find another teacher.

  • Merchants have the right to accept payment in whatever terms they desire. This would be like asking if an online retailer could legally only accept credit cards…its at the sole discretion of the merchant as to how they want to handle their receivables.

    As mentioned, the consumer always has the ability to “vote with their feet” and simply stop doing business with the vendor if they dont like their payment terms.