Also, I don't want my tenants to have to pay to make an ACH transfer.  

For me, at any rate, the ability to formulate quickly, to resolve any problem into it's simplest, clearest form, has been exceedingly useful...I found higher mathematics the best possible exercise for developing the mental muscles necessary to this process.       

My tenants can choose to pay either via ACH or card.

Who likes to spend their time with someone is only partly loyal.Many years ago when I first went home hunting I had a bad experience with an aggressive agent you tried to muscle me into signing and exclusivity agreement.

I collect rent through apartments.com which allows tenants to make secure ACH transfers for payments for free.

It will be fun and it will exercise your spending muscle.  

Done on average once every 2.5 years.direct deposit funds - ACH transfer. 2 minutes.monthly summary statements - Generated by accounting software. 3 minutes.online vacancy postings - 5 minutes.

The other new form, Automatic Clearing House (ACH) Recurring Payment Authorization, enables tenants to pay their rent through an automated clearing house (ACH), so they needn’t bother writing a paper check every time their rent is due.ALSO, new in this 12th edition is a coupon which the first purchaser of the book may use to receive free of charge all of the forms in the back of the book in common computer formats, PLUS a trial version of “Pushbutton Landlording®,” the author’s stand-alone program for handling the tenant and income sides of rental property management.https://smile.amazon.com/Landlording-Handymanual-Scrupulous-Landladies-Themselves/dp/0932956378/ref=sr_1_1?

Doesn't seem worth the head ache.

I have what I would consider to be a decent amount of liquidity that I can contribute, as well as sweat and muscle.