{"_id":"59bc55d82b480b0010010cbc","category":{"_id":"59bc55d72b480b0010010c99","version":"59bc55d72b480b0010010c92","project":"57336fd5a6a9c40e00e13a0b","__v":0,"sync":{"url":"","isSync":false},"reference":false,"createdAt":"2015-11-03T20:45:01.593Z","from_sync":false,"order":7,"slug":"topics","title":"Guides"},"parentDoc":null,"project":"57336fd5a6a9c40e00e13a0b","user":"560d5913af97231900938124","version":{"_id":"59bc55d72b480b0010010c92","project":"57336fd5a6a9c40e00e13a0b","__v":2,"createdAt":"2017-09-15T22:36:07.078Z","releaseDate":"2017-09-15T22:36:07.078Z","categories":["59bc55d72b480b0010010c93","59bc55d72b480b0010010c94","59bc55d72b480b0010010c95","59bc55d72b480b0010010c96","59bc55d72b480b0010010c97","59bc55d72b480b0010010c98","59bc55d72b480b0010010c99","59cd3e7c210d1900326834b1"],"is_deprecated":false,"is_hidden":false,"is_beta":false,"is_stable":true,"codename":"3.22.2 Release","version_clean":"8976.0.0-Basics","version":"8976-Basics"},"__v":0,"updates":[],"next":{"pages":[],"description":""},"createdAt":"2016-01-25T13:22:33.428Z","link_external":false,"link_url":"","githubsync":"","sync_unique":"","hidden":false,"api":{"results":{"codes":[]},"settings":"","auth":"required","params":[],"url":""},"isReference":false,"order":1,"body":"ACH (Automated Clearing House), sometimes referred to as electronic check processing, e-Check, or ECP, is an alternative to credit card payments. It is an online payment method where money is electronically withdrawn from the shopper’s bank account and then deposited into the merchant’s own bank account.\n\nACH/ECP transactions are monitored by our built-in fraud prevention capabilities, just like credit card transactions. This payment method is supported for US transactions.\n\n#Benefits\n\n  * Boost your sales by reaching additional shoppers who do not use credit cards or other payment methods.\n  * Eliminate the need for paper checks and instead enable customers to provide their payment info online.\n  * Store shopper account information for easier repeat purchases.\n  * Enjoy transaction costs that are typically lower than credit card transactions.\n  * Reduce issues with failed payments due to failed or invalid cards, since checking accounts do not have an expiration date, and your shoppers rarely switch banks.\n  * Solution for B2B transactions and other payments for high-cost items where a credit card limit could be exceeded.\n\n#ACH Transaction Processing\n\nThese are the main steps involved in processing ACH transactions:\n1. When the transaction is placed, an invoice will be created and have an initial status of pending.\n2. The transaction will be approved or rejected by the shopper's bank within about 4 business days.\n3. The invoice status will update to reflect the bank's response. \n\n**Note**: It is recommended to deliver the product only after the approval has been received.\n\nThe shopper has 60 days to dispute the debit on their account. If this occurs, BlueSnap will remove the funds from your account, and the invoice status will update to refunded.\n\n\n\n#API Integrations\n\nACH/ECP transactions are supported in BlueSnap's Payment API and Extended API.\n\nFor the Payment API, see:\n  * [Create ECP Transaction](/v2.1/docs/create-ecp-transaction)\n  * [Retrieve ECP Transaction](/v2.1/docs/retrieve-ecp-transaction)\n\nFor the Extended Payment API, see:\n * [Create Order and Shopper with ACH/ECP](/v3.0/docs/create-shopper-and-order)\n[block:callout]\n{\n  \"type\": \"success\",\n  \"body\": \"**1. Enable the ECP payment method in your account**\\nTo process ACH/ECP transactions, first enable this payment method in your account. In the BlueSnap Merchant Console, go to **Checkout Page > Payment Methods** and select **Show** in the menu next to the **ECP** payment method. Click **Submit** to save your change.\\n\\n**2. Obtain the shopper's permission to debit their account**\\nFor each ACH transaction, you must obtain permission from the shopper to debit their account, for example by showing a checkbox with the following wording on your checkout page. *\\\"I authorize this Electronic Check (ACH) transaction and agree to this debit of my account.\\\"*.\",\n  \"title\": \"ACH Requirements\"\n}\n[/block]","excerpt":"","slug":"ach-ecp","type":"basic","title":"ACH/ECP"}

ACH (Automated Clearing House), sometimes referred to as electronic check processing, e-Check, or ECP, is an alternative to credit card payments. It is an online payment method where money is electronically withdrawn from the shopper’s bank account and then deposited into the merchant’s own bank account.

ACH/ECP transactions are monitored by our built-in fraud prevention capabilities, just like credit card transactions. This payment method is supported for US transactions.

Benefits

  • Boost your sales by reaching additional shoppers who do not use credit cards or other payment methods.
  • Eliminate the need for paper checks and instead enable customers to provide their payment info online.
  • Store shopper account information for easier repeat purchases.
  • Enjoy transaction costs that are typically lower than credit card transactions.
  • Reduce issues with failed payments due to failed or invalid cards, since checking accounts do not have an expiration date, and your shoppers rarely switch banks.
  • Solution for B2B transactions and other payments for high-cost items where a credit card limit could be exceeded.

ACH Transaction Processing

These are the main steps involved in processing ACH transactions:

  1. When the transaction is placed, an invoice will be created and have an initial status of pending.
  2. The transaction will be approved or rejected by the shopper's bank within about 4 business days.
  3. The invoice status will update to reflect the bank's response.

Note: It is recommended to deliver the product only after the approval has been received.

The shopper has 60 days to dispute the debit on their account. If this occurs, BlueSnap will remove the funds from your account, and the invoice status will update to refunded.

API Integrations

ACH/ECP transactions are supported in BlueSnap's Payment API and Extended API.

For the Payment API, see:

For the Extended Payment API, see:

ACH Requirements

1. Enable the ECP payment method in your account
To process ACH/ECP transactions, first enable this payment method in your account. In the BlueSnap Merchant Console, go to Checkout Page > Payment Methods and select Show in the menu next to the ECP payment method. Click Submit to save your change.

2. Obtain the shopper's permission to debit their account
For each ACH transaction, you must obtain permission from the shopper to debit their account, for example by showing a checkbox with the following wording on your checkout page. "I authorize this Electronic Check (ACH) transaction and agree to this debit of my account.".