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With the increasing movement toward an electronic, interconnected and mobile infrastructure, it’s critical that electronic payments work safely and efficiently for all users. The ACH Network enables just that: by using batch processing and a store-and-forward system, it moves almost $39 trillion and 22 billion electronic financial transactions each year.

What is an ACH Payment?

ACH stands for Automated Clearing House. An ACH payment is an electronic debit or credit transaction that enables customers to make payments from their bank accounts for mortgage loans, utilities and other types of bills, or to receive payments from other parties. A lot of people refer to ACH transactions as eChecks, and that’s cool too.

ACH Payments and ACHQ

ACHQ leverages innovative risk management technologies that allow companies to accept ACH payments safely via the web. This enables companies to focus on their core business and avoid the hassle of accepting and issuing paper checks. They also benefit from being able to seamlessly manage the reporting and reconciliation associated with ACH transactions.

achq credit card

How Does ACH Payment Processing Work?

There are a number of steps involved in accepting ACH debits, more commonly known as eChecks, from your customers:

  1. An Originator (you)– whether that’s an individual, a corporation or another entity– initiates either a Direct Deposit or Direct Payment transaction using the ACH Network. ACH transactions can be either debit or credit payments and commonly include Direct Deposit of payroll, government and Social Security benefits, mortgage and bill payments, online banking payments, person-to-person (P2P) and business-to-business (B2B) payments, to name a few.

  2. Instead of using paper checks, ACH entries are entered and transmitted electronically, making transactions quicker, safer and easier.

  3. You can set-up and manage one-time and recurring payments through ACHQ’s cloud based payment portal. Utilize our advanced software to originate, track and report on your payments.

  4. ACHQ leverages relationships with tier-1 bank partners (ODFIs) to ensure timely and secure origination for your payments.

  5. The ODFI aggregates payments from customers and transmits them in batches at regular, predetermined intervals to an ACH Operator.

  6. ACH Operators (two central clearing facilities: The Federal Reserve or The Clearing House) receive batches of ACH entries from the ODFI.

  7. The ACH transactions are sorted and made available by the ACH Operator to the Receiving Depository Financial Institution (RDFI). RDFI is a fancy way of saying your customer’s bank.

  8. Your customer is debited or credited by the RDFI, according to the type of ACH entry. Individuals, businesses and other entities can all be Receivers (customers).

  9. ACHQ receives funds and settles them to your business account. Our portal notifies you in real-time, helping your business run better
ACH Payment in Check-Dominated Industries

ACHQ is focused on delivering the convenience of electronic payments by offering multiple payment solutions and payment methods, including ACH payment processing. At ACHQ, we differentiate ourselves with an innovative API payment solution combined with our extensive industry experience and expertise. Partnering with ACHQ means your ACH processing is in good hands.

Why Accept ACH Payments with ACHQ

Working with us you’re viewed as a valued partner rather than a customer. It’s a major reason why all types of companies of all sizes, from property management companies to vacation rental owners to non-profits and municipalities, accept ACH payments through ACHQ. Of course, it doesn’t hurt that we’re considered experts in the industries in which we work.

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