Setting up US ACH payments

Do the following to create the ACH payment method and connect it to the Stripe gateway:

1. Go to Settings > Finance > Pay Central.
2. Click the Payment methods tab.
3. Select Add new payment method:
   1. Code: Enter a Code. No spaces are allowed in this field.
   2. Name: Enter the Name assigned to the payment method. This is only visible to staff users.
   3. Type: Select Direct debit.
   4. (optional) Account: Select the cash account for the payment method.
   5. (optional) Entity: Select the financial Entity. For more information, refer to Financial entities.
   6. Gateway account: Select the US ACH gateway.
   7. Display payment authorization checkbox: Enable to display an authorization checkbox in the cart for this payment method. When this setting is enabled for the payment method, the user must enable the authorization checkbox in their cart before they can submit the payment. The provided HTML text box must have the authorization details that the customer is agreeing to, such as: I authorize {Organization name} to charge my bank account for agreed upon purchases. I understand that my information will be saved to file for future transactions on my account.

   

4. Click Save.

Do the following to add the ACH payment method to the Staff and Public payment method sets:

1. Go to Settings > Finance > Pay Central.
2. Click the Payment method sets tab.
3. Select the Staff set:
   1. Select Add new.
   2. Enter the Display Name. This name appears to staff users in the Cart.
   3. Select the ACH Payment Method you just created.
   4. (optional) Enable Default if you want this payment method selected by default in the staff user's cart.
   5. Click Save.

   

4. Select the Public set:
   1. Select Add new.
   2. Enter the Display Name. This name appears to public users in the Cart.
   3. Select the ACH Payment Method you just created.
   4. (optional) Enable Default if you want this payment method selected by default in the public user's cart.
   5. Click Save.

The recommended workflow for testing ACH transactions is as follows:

1. Create a test user.
2. Enroll the user in a recurring donation on their behalf.
3. Generate and process a future invoice.
4. Review the submitted payment in Pay Central Live.
5. Refund both the initial and subsequent payments.

Important! ACH payments take four business days to confirm the success or failure of a payment for initial recurring payment enrollments and to settle the funds. Be sure to account for these processing times for testing.

1. Creating the test user

Create a contact with an email address that you have access to.

Tip! It is recommended to use a Staff user email account for the test user account.

2. Enrolling the user in a recurring donation

Next, enroll the test user with a recurring payment. In this example, we are using donations.

Before you begin, you should confirm the following:

• AutoPay is configured.
• There is a Give Now page configured to accept recurring donations.

To enroll the test use with a recurring payment, do the following:

1. From the public website, go On Behalf of the contact.
2. Navigate to the Give Now page.
3. From the Gift details section, click Recurring.
4. Select a gift frequency. For testing purposes, Monthly is recommended.
5. Select Other from the Gift amount field.
6. Enter 1.00 in the amount field.
7. From the Payment method field in the Payment details area, select the ACH payment method.
8. Do one of the following to enter the required payment details:
   • Log into the bank or financial institution:
     1. Use the search bar or click the box representing your bank or financial institution.
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     2. Click Agree and continue.
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     3. Select an account, and click Connect account.
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     4. Do one of the following:
        • Enter an email address to Save the account with Link.
        • Click Not now to proceed.
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     5. Click Back to return to the donation page.
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   • Manually enter bank details:

     Important! Users manually entering bank details are required to verify their details through microdeposits. An email containing a link to the microdeposit verification page is sent to the user one to two business days after the initial recurring payment is submitted. The link also displays in the Pay Central Live payment details. The payment automatically timeouts after 10 days without verification or fails after three failed microdeposit attempts.

     

     1. Select Enter bank details manually instead.
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     2. Enter the Routing number and Account number.
     3. Confirm the account number.
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     4. Click Submit.
     5. Click Back.
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9. Select the Account type from the drop-down:



10. Click Submit donation.

3. Generate and process a future Donation invoice

Important! As these payments take four business days to confirm the status of a payment for initial recurring payment enrollments, it is recommended to wait four business days before generating the future donation invoice.

Do the following to process a future donation:

1. Go to Fundraising > Automatic Payments > Process payments.
2. From the Generate invoices tab, generate the invoice.
3. From the Review invoices tab, review the invoice to make sure the test payment is included.



4. From the Submit invoices tab, enter the date and donor name, and click Find. Submit the invoice.
5. Retrieve the processed payment.

4. Review the payment in Pay Central Live

To ensure the success of the payment, review the payments in Pay Central Live.

5. Refund the payments

After the payments have successfully processed, you may refund the payments.