What is the ACH service fee per transaction that Del Taco franchisees will be billed?
Del_Taco Franchise · 2025 FDDAnswer from 2025 FDD Document
d for the ACH settlement process and for ACH debits of settlement fees owed to BAMS.
- 5. ACH Returns. If an ACH debit transaction for any amount due from a Franchisee is dishonored by the Franchisee's bank due for any reason, including but not limited to an account being underfunded, closed or a stop payment, then BAMS will, once the ACH return notification is received by the bank, notify Del Taco and initiate follow up ACH transaction(s) to transfer funds from the same bank account if the account was underfunded or a stop p
Source: Item 23 — RECEIPTS (FDD pages 59–325)
What This Means (2025 FDD)
According to the 2025 Del Taco Franchise Disclosure Document, franchisees will be charged an ACH service fee of $0.06 per transaction. This fee is applied to all franchisee locations. These fees are debited from the franchisee's bank account by BAMS (Banc of America Merchant Services).
In addition to the ACH service fee, BAMS also charges processing fees and a monthly location fee of $5.00 per franchise location. These fees are also collected via ACH debit from the franchisee's bank account. It is important for franchisees to maintain proper funding in their designated bank accounts to cover these fees.
If an ACH debit transaction is dishonored by the franchisee's bank for any reason, including insufficient funds, a closed account, or a stop payment, BAMS will notify Del Taco and attempt to initiate follow-up ACH transactions. The new transfer amount will include the amount of the returned item(s) plus a $20.00 penalty per returned item. This highlights the importance of ensuring sufficient funds are available to avoid penalties and disruptions to the gift card program.