eCheck & ACH payments

Accept eCheck and ACH payments on the Portal or using the Payrix API.

Payrix provides tools that make it easy for merchants to accept eCheck and ACH payments. The Payrix solution is easy to implement and reduces associated risks. This page provides details about the eCheck and ACH options provided by Payrix. The following resource provides details for merchants using Payrix’s eCheck feature:

The Payrix platform’s standard processing time is 5 business days, which ensures the payment is fully funded before disbursing the funds to your client. To improve merchant cashflow, Payrix’s eCheck/ACH solution supports pre-funding merchants for eCheck payments that are still processing. Pre-funding options are available based on a business case and risk approval basis.

Currently, our customers can process eCheck transactions through the following methods:

• In the Portal and through Quick Charge: Toggle between accepting card and ACH transactions directly within the Portal. To complete this process, locate Quick Charge or the expanded payment fields in the Portal, and select eCheck Sale from the Transaction Type dropdown menu (by default, this field is set to Sale).
  
  Quick Charge:
  

  

  Expanded payment fields:
  

  

• Direct API: Use the Payrix API to submit eCheck transactions directly. Provide the account and routing information, along with the first name of the bank account holder, to the /txns endpoint.