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How to Implement Recurring ACH Payments for a Private App Without Using the Subscriptions Plan?

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HI
I’m currently developing a solution to collect recurring monthly fees for my app. I would like to use ACH transfers to charge my app’s users periodically. However, I discovered that a BANK NONCE cannot be converted into a Card ID for long-term storage to facilitate persistent payments. Are there any other methods available to achieve this?

If Subscriptions API is the only option, I noticed that creating a live subscription plan requires the app to be published on the Square App Marketplace. My app, however, is intended for specific users rather than a general public audience. Is there a simpler or faster approval process for apps that are not intended for public release?

To summarize, what are my options for setting up recurring payments using ACH transfers for a private app?

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