I want in one form 2 payment types. One credit and one ach.

I want in one form 2 payment types. One credit and one ach.

How do I set it up?

I believe we answered a similar question of yours here:

https://www.jotform.com/answers/1294226-Can-I-integrate-2-payment-types

I believe both Bluepay and Braintree offer ACH processing.  PayPal can use PayPal accounts for payment which can be linked directly to checking accounts, rather than credit cards.