ACH Now! is a merchant (originator) data entry point Electronic Payment Presentment application that electronically submits payments through the ACH network as shown in the diagram below.  Merchants obtain (in person, by telephone, fax or via the internet) the customer's (receiver) 9 digit bank routing number (ABA) and checking account number, then imports a data file, scans a check, or manually enters the payment information into the Internet browser application.  ACH Now! communicates electronically through an Originating Depository Financial Institution (ODFI), the ACH Network, and the Federal Reserve Banking System, automatically debiting the customer's bank account (RDFI) and crediting the merchant's account.

Receiver = Check writer > Originator = Merchant > ODFI = Merchant's ACH Processing Bank > ACH = Automated Clearing House > RDFI = Check Writer's Bank

How It Works

ACH Now! makes possible the electronic payment between most business and their customers.  Merchant obtains the customer's checking account information, then scans or manually enters the information into ACH Now!.  ACH Now! communicates electronically through the banking system, automatically debiting the costomer's bank account and crediting the business account - typically within 24 hours.

• Account ID: demo1001
• User ID: demo
• Password: 123456

You'll be impressed with ACH Now's ease of use an straightforward format.

Electronic Payment Benefits

• NSF Check Collection: Collecting bad checks is no longer a complicated, labor-intensive process with unreliable results.  A business processing their own NSF returned checks electronically through the ACH Network is faster, easier, less expensive, and produces better results than traditional methods.
• Recurring Payments: Businesses that invoice customers for recurring payments (i.e.: rent, security services, utilities, etc...) can easily obtain payment by processing payments electronically.
• Reduced Costs: Electronic payment processing is less expensive than other forms of payment.  Bank NSF return fees on paper checks range from $5 to $20 per check, plus per item fees on deposits.
• Contract Fulfillment: Process payments electronically and help ensure contract payment clauses are met.  Automatic debits to customer's accounts eliminate payment-delaying tactics.
• Customized Payment Plans: Automatic customized payment plans are easily structured to conform to business needs and/or customer's financial abilities.  Enter payment information into ACH Now and forget it - the program automatically debits the customer's account on the schedule you set.
• No COD Delivery Hassles: Process the payment electronically in advance of shipment or services - no risk.  Payment verification in just 24 - 48 hours, then ship the goods.  ACH Now has NSF Check Recovery capabilities for your business.  With ACH Now you're getting an efficient Electronic Funds Transfer program - and the ability to process your NSF checks within the same application.
• Customer Service: Electronic payment processing increases customer service.  No need for writing checks and mailing.  More and more consumers are opting for electronic solutions for recurring payments and bill payment.