How do y'all collect monthly payments?

I run a consulting business and charge my clients monthly. I invoice and collect payments Quickbook's Invoice tool, however they take 1% on all transactions. I've done some research and for the life of me I can't find any way out there to collect a payment via ACH without the 1% transaction fee. I use Chase as my bank and technically I can ask my clients to pay me directly via providing my account and routing number, but that seems like an insecure method nor does it seem like the most efficient solution.

How are y'all handling this issue. Are you all paying transaction fees when accepting payments via bank transfers?