You can use the Create Payment page to process eCheck and ACH payments and optionally include Level 2 and Level 3 information. This approach is one of multiple payment acceptance options through the platform. This tutorial shows you how to accept ACH payments from a customer using the Create Payment page.
Audience: Merchant
Process an ACH Payment with Create Payment
Complete all steps in the following sections to process an ACH payment.
Note
You can also accept a payment in the portal with the Quick Charge tile. Quick Charge enables you to quickly capture customer and payment information from the dashboard.
Prerequisites
Before attempting this tutorial, you must:
Meet the general prerequisites described in Get Started with Use Case Tutorials.
Have access to all 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.
Have Level 2 or 3 information ready, if the payment requires Level 2 or 3 data.
Access the Create Payment Form
Click CREATE PAYMENT in the left navigation panel to open the Create Payment form.
Enter the Payment Information
Enter the charge amount.
Select ECHECK SALE from the Sale Type dropdown menu.
Leave the Payment Method dropdown 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 dropdown menu.
Payment Method Dropdown Menu
If you are charging a customer bank account that is not saved to your profile, keep the Create New Payment Method dropdown menu in its default setting. You will enter the new customer bank account information in the next step.
If a customer and their payment method have already been saved in a previous transaction, you can select it from the Create New Payment Method dropdown menu.
(Optional) To save the customer information for future charges, select Save Customer Information in the lower-left corner of the tile.
Enter Customer Information (Optional)
Click the Customer Details dropdown arrow to enter optional customer information, including mailing address, email address, and phone number.
Submit the Transaction for Level 2 or 3 Processing (Optional)
(Optional) If you want to 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.
(Optional) If you want to 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.
Important!
While you can submit Level 2 and 3 interchange data, eChecks are not eligible for different interchange rates like credit cards.
Process the Payment
Using a previously saved payment method:
Click PROCESS PAYMENT to advance to the next step.
Using a new payment method:
When you click PROCESS PAYMENT, the Card Information dialog will open on the page.
Enter the customer's banking information.
Click PAY AMOUNT USD/CAN to complete the payment.
Result: After submitting the ACH payment, 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.
Next Steps
After the payment is processed, review the following guides for information on related topics:
Process an eCheck (ACH) Payment with Quick Charge: Process a payment quickly.
Process a Card Payment with Create Payment: Process a payment that includes Level 2 and Level 3 information.
Process a Token Payment with Create Payments: Process a payment from a pre-saved customer payment token.