Is there an option to accept ACH payments?

I know JotForm integrates with Authorize.net for credit card payments. Is there an option to accept ACH payments free? I want to reduce transaction fees by offering an ACH option to collect payment. 

Does JotForm integrate into Bill.com for processing?

Unfortunately, that is not available in Authorize.net. When it comes to ACH, this is available in the Stripe ACH, please follow this guide: https://www.jotform.com/help/536-How-to-integrate-Stripe-ACH-to-your-form

Your second question will be addressed in the following forum thread: https://www.jotform.com/answers/1868557