Use Case: Process an eCheck (ACH) Payment with Create Payment

Owned by Miles Graves
Last updated: Mar 29, 2024
4 min read

You can easily process eCheck (ACH) payments using the Create Payment page. This tutorial will walk you through the steps to accept ACH payments from a customer using the Create Payment page.

View of the Create Payment page.

Objective

Use the Create Payment form to process an ACH payment with an option to add Level 2 and Level 3 information.

Audience

  • Merchants

Environment

  • Portal (Sandbox)

  • Portal (Production)

Prerequisites

Prerequisites:

  • You must have a fully boarded Merchant account to perform any of the actions described in this use case guide.

  • You must have access to all of the information required for submitting an ACH transaction: routing number, account number, and account holder information for the customer that you are charging. You can access saved information in the Create Payment form if the customer and their payment method were saved in a previous transaction.

  • If the payment requires Level 2 or Level 3 data, you must have that information ready to enter on the form.

Warnings

Warnings will provide insight or advice to avoid risk, visibility, and overall product performance issues during this use case.

Warning: While you can still submit Level 2 and 3 interchange data, eChecks are not eligible for different interchange rates like credit cards.

Tips

Tips will provide suggestions to streamline or better prepare you to apply this use case tutorial.

Additional Resources

Process an ACH Payment with Create Payment

1. Access the Create Payment Form

Click CREATE PAYMENT in the left-hand navigation panel to open the Create Payment form.

2. Enter the Payment Information

  • Step 1: Enter the charge amount.

  • Step 2: Select ECHECK SALE from the Sale Type drop-down menu.

  • Step 3: Leave the Payment Method drop-down menu on the default setting to enter new customer bank account information on the next page, or select a previously saved payment method from the drop-down menu.

  • Step 4 (Optional): To save the customer information for future charges, click the Save Customer Information check box in the lower left-hand corner of the tile.

3. Enter Customer Information (Optional)

Click the "Customer Details" drop-down arrow to enter optional customer information, including mailing address, email address, and phone number.

4. Submit the Transaction for Level 2 or 3 Processing (Optional)

  • Step 1 (Optional): If you want to optionally capture the fields under Level 2 Processing, click the Level 2 Processing box. Fill in the additional fields that appear below the Customer Details section.

  • Step 2 (Optional): If you want to optionally capture the fields under Level 3 Processing, note that you must first click the Level 2 Processing box, and then an additional Level 3 Processing box will appear. Click the Level 3 Processing box and enter the information in the additional fields that appear.

5. Process the Payment

  • Step 1: Click PROCESS PAYMENT to advance to the next step.

Result: The charge will be processed.

When you click the PROCESS PAYMENT button, the Payment Information lightbox will open in the page.

  • Step 2: Enter the customer's banking information.

  • Step 3: Click the PAY AMOUNT USD/CAN to complete the payment.

Result: The charge will be processed.

Next Steps

Once the payment is processed, review the following use case guides for additional information on related topics:

Conclusion

Once the ACH payment is submitted with the correct information, the charge will be processed and you can navigate away from the page. You will receive a payment confirmation email, and the payment will show in the table on the Payment History page.

References

Click the links or items below to access any of the following pages: