ACH Payments

ACH Payments are a type of electronic payment that facilitates direct debit transactions between bank accounts.

Enabling and using ACH Payments in Zoho Subscriptions is a simple 3 step process.

Step 1: Choosing the payment gateway

Zoho Subscriptions accepts ACH Payments with our integrations with Authorize.Net and Forte payment gateways. Which payment gateway is right for you?

Authorize.Net for ACH payments

Particulars to be met:-

Learn how to integrate Authorize.Net with Zoho Subscriptions, here.

Learn more about eCheck, here.

Forte for ACH payments

Particulars to be met:-

Learn how to integrate Forte with Zoho Subscriptions, here.

Learn more about Automated Clearing House account in Forte, here.

Step 2: Choosing right customers

The payment initiated via ACH payments may not be successful once it has been initiated.

This is because, a payment can be initiated irrespective of whether there are sufficient funds in the customer’s bank account. And also, the result of the transaction is known only after 5 days and may end up failing. Hence, it is advised to enable ACH payments only for customers that you trust.

You can enable an ACH payment for a customer by enabling the checkbox Allow this customer to pay via his/her bank account while creating/editing a customer.

To have a detailed knowledge on this, have a glimpse at our blog.

Step 3: Initiating ACH payments

There are two ways to initiate an ACH payment. You can allow the customer to feed his/her bank account details manually, click here.

Or, you can enable ACH payments for a customer on their behalf. If you happen to have the customer’s bank account details already, click here.

ACH payments initiated by customer:

Once a customer decides to pay via ACH payments, they can manually update their card with the following bank account details through the Payment Information link sent by you.

You can send the Payment Information link by selecting More > Request Payment Method in the customer screen. Zoho Subscriptions will email your customer, the link to enter their account information, and a statement saying that they formally agree to let you debit their account.

Request payment method

However, from your end, you have to enable the checkbox Allow this customer to pay via his/her bank account while editing or creating a customer. By default, ACH payments are disabled for every customer.

Authorizing Customer

ACH payments initiated by merchant:

You can also enable ACH Payments for a customer from your side upon their request. To get started, you’d have to obtain their bank account details such as account Number, routing number and account type.

Once received, follow the steps below to enable ACH payments for a customer on their behalf.

Note: Make sure to select the checkbox against “Customer Name” authorizes the “Organization Name” to charge his / her savings account for making payment.

ACH Payment Initiated

Step 4: Other actions

Viewing all the initiated ACH payments

To view all the ACH payments in progress,

ACH Payment Initiated

Configuring number of retries and intervals

Zoho Subscriptions allows you to configure the number of retries necessary in case of a transaction failure under Gear icon > Retry Settings. The various configurations available are shown below.

Retries

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