ACH processing

Your customers can pay for sales orders using an Automated Clearing House (ACH) direct transfer from the customer's bank account to your bank account. ACH is an electronic network for financial transactions in the United States. Rules and regulations that govern the ACH network are established by NACHA and the Federal Reserve [Wikipedia]. The Credit Card Interface supports ACH processing in conjunction with CenPOS payment technology.

Your customers can use ACH for a one-time transaction, or you can set up customers for recurring ACH transactions. For recurring ACH transactions, the ACH uses tokenization. Your mail order-telephone order (MOTO) customers can place a sales order, or make Receive on account (ROA) payments using a token. A token is an alias number for the bank account number. Create an ACH payment type in SA Table Code Value Setup. Then, associate customer ACH accounts with the ACH payment type in Customer Credit Card Setup. When you click New, you can connect to the CenPOS web browser, to the Create Token form, and complete all required fields.

Sales Order Inquiry shows information on ACH transactions. You can also block creation of tokens during sales order entry in Customer Setup and Customer Ship To Setup.

Customers must change or void a transaction before end-of-day batch processing is begun. For returns, a credit is used to refund an ACH transaction. Additional freight charges or addons must be tendered manually. Back orders do not create a new ACH transaction.

Caution:

ACH processing is optional. Be familiar with the pros and cons of ACH processing before setup. ACH processing is not automatic tendering, and customer funds are not authorized during order entry. Final approval or rejection for an ACH transaction comes from the ACH network based on how you have set up ACH capability with your bank. Be aware that ACH errors are not available in Distribution SX.e. ACH errors are generated by the CenPOS end-of-day processing. You must check CenPOS logs to verify your ACH transactions at the end of every business day to avoid missing any failed transactions. We recommend that you check CenPOS logs and invoice processing logs to ensure transactions are successfully completed.