ACH Payments

Online ACH payments acceptance and processing is available either...

In conjunction with credit and debit card payments
As a stand alone service

Advantages of ACH payments include:

Lower transaction cost
Faster presentation of checks to the issuing banks
Additional payment method to satisfy customers wishing to pay online but not wanting to make card payment

Of course ACH is still a check and as such it can still be returned as NSF. Electronic delivery of the ACH transaction does put these transactions into the payment processes faster than, and ahead of, paper check deposits. As a result of earlier presentation the incidence of NSF is generally reduced.

ACH Payments and Convenience Fees

We are still able to charge a convenience fee for online ACH payments. Under the correct set up that fee does not have to be the same as the fee we charge for credit and debit card payments.

You can decide to absorb the cost of the ACH transaction yourself. In this case we are able continue to charge the a convenience fee for credit and debit card payments.

Security and Compliance

As with card payments, all ACH payments are made through our secure web pages. All information and data are stored on our secure and compliant servers. This removes expenses and liabilities from your servers to ours.

Recurring Billing Using ACH

Simply Easier Payments makes setting up and processing recurring ACH transactions extremely straight forward. Just as we are able to run payment plans or electronic billing presentations on a recurring basis for card payments, our systems can switch to, or include, ACH transactions with one click of your administrator's mouse.

Types of ACH Transactions

ACH is an often used as an umbrella term for a variety of electronic payment methods. ACH stands for Automated Clearing House. Common ACH transaction types include:

WEB - Web Initiated Entry allows electronic authorization through secure Internet pages.

This is defined by the point of data entry into the network, so if your customer service staff is speaking to a customer on the phone and the CSR enters information your customer gives them into our WEB payment pages, the transaction is considered a WEB transaction.

If you open checks that you receive in the mail and key them into our WEB payment pages, the transaction is also considered a WEB transaction.

PPD - Prearranged Payment and Deposits. This method allows preauthorized bill payment. The example you will use will be recurring billing plans.

CCD - Corporate Cash Disbursement. This is used mostly for business to business transactions. The example which you would see most often would be you paying bills to vendors or sales staff.

Commercial Checks

ACH payments are limited to personal checking accounts. Commercial checks can not currently be processed through the ACH channel. Check 21 is the appropriate method to process commercial checks.

A Comerical checking account has an additional set of numbers. A business using a personal checking account can have their checks processed through the ACH channels.

Talk to a Real Person to Learn More or to Get Started

Call Duke Williams at 800-768-0907. Or e-mail at Duke Williams.

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