Some carriers are unable or unwilling to accept a card as a payment method, and instead require an ACH account in order to process premium payments. Zorro knows which carriers require which payment method, and issues ACH accounts to employees with carriers that require this payment method.
ACH accounts have an associated cost for Zorro that does not exist for card transactions, and we pass this cost on to you (with no extra charge from Zorro).
Once per month, on the 1st of the month, you will see a draw from your account for the total number of ACH accounts issued for your employees. It will be withdrawn from the same account used for premium payments. This charge should not be significant, as typically only a maximum of 10% of employee payment methods are set to ACH (although this might be higher if a major carrier in your area requires ACH).
Unfortunately, it is not possible to merge the premium draw on the 20th and the ACH charge on the 1st into a single transaction and they will happen separately.