Powered by Nacha: ACH Direct Debit Payments
Accept fast, secure ACH payments across a wide range of channels with ease and flexibility.
- Process ACH payments quickly, reducing settlement times and improving cash flow.
- Protect sensitive payment data with encryption and compliance safeguards.
- Accept ACH payments seamlessly through a variety of channels.
What are ACH payments?
ACH (Automated Clearing House) payments are electronic transfers between bank accounts, commonly used in the USA for routine transactions. They allow for the seamless transfer of money directly from one bank account to another without the need for physical checks, credit cards, or cash.
ACH payments are often used for recurring payments like bills, salaries, and subscriptions, offering a convenient and efficient way to manage regular financial transactions. There are currently 2 types of ACH Payment processes:
Standard ACH: Payments are processed in batches and can take 1-3 business days to clear.
Same Day ACH: The payment process is much faster within the ACH Network, designed to enable payments to be sent and received at optimal speed within the same business day. The settlement is done four times per business day.
How it Works
Our platform streamlines ACH Direct Debit payments from end to end, making it simple for businesses to collect funds securely and efficiently.
Customers can authorize payments through a variety of channels, online, in-app, over the phone, and more, while the backend handles everything from initiation to settlement, all in full compliance with Nacha standards.
With built-in automation, real-time tracking, and robust security, you get a powerful, flexible solution that fits seamlessly into your existing workflows.
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The agent then selects whether they would like the customer to pay via Payment Link, or by prompting the customer to enter their details into their telephone keypad.
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The customer is then prompted by the agent to provide their bank details, including their Routing Number and Account Number, using their telephone keypad.
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Sensitive information is never seen or heard by the agent, with only redacted information displayed on the agent’s dashboard. They can stay on the call to assist if necessary.
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Finally, the agent confirms with the customer what Account Type they wish to pay from, selecting it from the list provided within the dashboard.
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Once the payment is confirmed, funds are paid instantly to your business. The agent then has to option to issue a receipt, or restart the process if necessary.
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When an agent is on the phone to a customer and they are ready to make a payment, they can secure the call and input reference number, amount to pay, and select ACH as the payment method.
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The agent then selects whether they would like the customer to pay via Payment Link, or by prompting the customer to enter their details into their telephone keypad.
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The customer is then prompted by the agent to provide their bank details, including their Routing Number and Account Number, using their telephone keypad.
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Sensitive information is never seen or heard by the agent, with only redacted information displayed on the agent’s dashboard. They can stay on the call to assist if necessary.
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Finally, the agent confirms with the customer what Account Type they wish to pay from, selecting it from the list provided within the dashboard.
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Once the payment is confirmed, funds are paid instantly to your business. The agent then has to option to issue a receipt, or restart the process if necessary.
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When making a payment online, the customer confirms their details and the amount they are paying.
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They are then given the option to pay by card, or using ACH, before inputting their details.
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The customer is then prompted to input their bank details including Account Number, Routing Number and Account Type.
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Next, the customer is asked to input their details, including name, address and ZIP code.
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Finally, they can confirm the amount and details before confirming and finalizing the payment.
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Once the payment amount is confirmed, funds are paid instantly to your business. An email receipt is issued, and the Customer is informed that the payment has been successful.
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When making a payment online, the customer confirms their details and the amount they are paying.
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They are then given the option to pay by card, or using ACH, before inputting their details.
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The customer is then prompted to input their bank details including Account Number, Routing Number and Account Type.
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Next, the customer is asked to input their details, including name, address and ZIP code.
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Finally, they can confirm the amount and details before confirming and finalizing the payment.
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How can you improve your ACH Payments?
Offer convenient and automated secure options for one-time or recurring Automated Clearing House (ACH) payments,
so you can provide a better customer experience that makes a real impact.
- Give your customers the option to pay by ACH Direct Debit alongside credit card, PayPal, Buy Now Pay Later and more.
- Automate your ACH payment and data collection process, enhancing overall transaction efficiency.
- No sensitive banking details are seen by your agents, call recordings, IT networks or remote working environments.
- Fully Compliant to Nacha banking and security guidelines, reducing the risk of fraud and protecting sensitive financial information.
- Highly accessible for all demographics, customers can use a computer keyboard, telephone keypad, or AI-powered secure voice recognition.
- Highly accessible for all demographics, customers can use a computer keyboard, telephone keypad, or AI-powered secure voice recognition.
- Real time reporting dashboard and API integration to back office systems.
- Reduce bounced checks and return rate by automatically verifying the customer's bank account.
Want to know more?
Interested in improving the ACH, direct debit and the banking experience for your customers?
Talk to us and we can discuss further.
Mark Kelly
Chief Commercial Officer (CCO) (UK) & VP International Sales (US)
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