What are you using to offer either ACH/Direct Deposit OR credit card tuition payments?

Overview: VISIONS offer(ed) students/parents the option to pay tuition via ACH/direct debit for the listed price or use a credit card and cover processing fees. Using Stripe as a payment gateway with a strong preference not to change that. Used Blackthorn Payments for 1.5 years, and parents paid via a Flow embedded in a Community that would calculate the correct amount to charge based on the payment method. Once Blackthorn updated their pricing model, our "grandfathered"/non-upgradable edition became slowly more and more buggy; this spring we were forced to retire it and either ask parents to mail in a check or direct them to a Formstack webform where they could make a CC payment.

I'm interested in how others are managing situations in which they offer either direct debit/ACH transactions for no fee, or credit card transactions where the fee is automatically added to the total.

Blackthorn (when it was working) was pretty ideal: families made either a card or ACH payment within the community; a valid card transaction immediately updated a custom "Transaction" object in SF to "paid" status while an ACH transaction would start in "pending" status and then update to "paid" via webhook from Stripe once it cleared, several days later.

I'm currently relying on a webform (Formstack for SF) to process card payments, and pass the appropriate record ID(s) and amount in via the url on a non-community page. I think something similar could work for ACH; and then use Zapier to find/update the correct record in SF once the transaction clears in Stripe *edit: actually, I'm not sure if Zapier can fire when the status of an ACH transaction changes...

Any apps to recommend? Creative workarounds? Custom code? How tough was it to set up?

Thanks for any input or ideas.