Collect from a bank account
Support one-time, invoice, scheduled and recurring payment flows with the appropriate authorization path.
Account-to-Account Payment Solutions
Move eligible payments directly between bank accounts.
Selective Pay helps businesses add ACH debit, ACH credit and other electronic bank-payment workflows for invoices, recurring billing, larger tickets and integrated payment environments—without forcing every transaction onto a card.
- Invoice and recurring workflows
- Account validation and authorization controls
- Return monitoring and reconciliation
Send funds electronically
Build approved credit workflows for refunds, reimbursements, vendor payments or other supported disbursements.
Choose the right timing
Use standard or eligible Same Day ACH options based on urgency, limits, bank cutoffs and operational needs.
A Second Payment Rail
Card acceptance is essential. It does not have to be the only way customers pay.
ACH can complement card acceptance when customers prefer to pay from a bank account, when invoices are larger, or when recurring and account-to-account workflows need their own controls.
Match the payment method to the transaction
Offer bank-account payments where they make operational and economic sense instead of forcing every invoice through the card networks.
Automate repeatable billing
Create scheduled and recurring workflows with stored authorization records, customer notifications and role-based controls.
Improve visibility after submission
Track settlement status, returns, notifications of change and reconciliation data instead of treating every initiated payment as final.
Debit and Credit Workflows
Build the direction, timing and authorization around the payment.
ACH debit pulls authorized funds from a customer or business account. ACH credit pushes funds to a receiving account. The correct setup depends on who initiates the transaction, the use case, the channel and the supporting bank or payment platform.
ACH debit acceptance
Collect authorized payments through supported consumer and business bank-account workflows.
- One-time invoice and account payments
- Recurring subscriptions, dues and service plans
- Payment links and hosted payment pages
- Virtual terminal and back-office entry
- Integrated website, billing or ERP workflows
ACH credit and disbursement
Send supported electronic payments through controlled, approved and traceable workflows.
- Vendor or contractor payments
- Refunds and customer reimbursements
- Expense and claims-related disbursements
- Business-to-business account transfers
- Approval, user-permission and audit controls
Important distinction: “EFT” is a broad term for electronic movement of funds. ACH is a specific U.S. bank-payment network with its own operating rules, transaction types and return processes.
The ACH Workflow
The payment form is only the beginning.
A dependable ACH program connects the customer experience to authorization records, validation, submission timing, return handling and accounting.
Define the use case
Identify who is paying, whether the account is consumer or business, how the payment is initiated and whether it is one-time or recurring.
Capture the correct authorization
Configure the approval language, record retention, confirmation and cancellation process around the transaction channel and payment schedule.
Validate and screen risk
Use supported account-validation, identity, velocity and fraud controls appropriate to the transaction type and business risk profile.
Schedule and submit
Choose standard or eligible Same Day ACH timing, apply user permissions and submit transactions through the selected gateway or payment platform.
Monitor returns and changes
Route return codes, notifications of change, failed verifications and customer-service exceptions to the right team and workflow.
Reconcile and report
Connect transaction status, settlement, fees and accounting references to the reporting your finance and operations teams use.
Where ACH Fits
Use bank payments where the workflow—not a sales slogan—supports them.
The right mix may include cards, ACH and other payment methods. We evaluate customer preference, ticket size, timing, return exposure, software capability and reconciliation before recommending the setup.
Invoice payments
Give commercial customers a bank-payment option for account balances, deposits and larger invoices.
Memberships and service plans
Schedule authorized payments while maintaining customer notices, updates and cancellation controls.
Projects and professional services
Support deposits, progress payments and larger balances when bank-account payment is appropriate.
Software and ERP workflows
Connect bank payments to hosted forms, APIs, billing systems, virtual terminals and accounting processes.
What the ACH Review Covers
Design the operating controls before turning on the payment method.
Selective Pay reviews how bank payments will be authorized, validated, submitted, monitored and reconciled across your teams and technology.
Use cases and channels
Invoices, recurring billing, payment links, online checkout, virtual terminal and integrated transactions.
Authorization records
How approval is captured, confirmed, stored and updated for one-time and recurring payments.
Account validation
Available validation methods, first-use account workflows and risk-based screening requirements.
Fraud and user controls
Permissions, dual approval, transaction limits, velocity monitoring and exception handling.
Returns and notifications
Return-code routing, notifications of change, customer communication and retry policies.
Settlement and reconciliation
Transaction references, funding reports, accounting exports and responsibility by department or location.
Compliance note: ACH availability, authorization requirements, validation methods, processing windows, transaction limits and return rights depend on the transaction type, channel, financial institutions, provider capabilities and current Nacha rules. Selective Pay helps configure the payment environment but does not provide legal advice.
Frequently Asked Questions
What businesses usually ask before adding ACH.
Is ACH the same as EFT?
ACH is one type of electronic funds transfer. EFT is the broader category, while ACH refers to payments submitted through the U.S. ACH Network under its operating rules.
How quickly do ACH payments settle?
Timing depends on the submission window, effective date, bank, provider, transaction eligibility and whether standard or Same Day ACH is used. Initiation does not eliminate the possibility of a later return.
Can we accept recurring ACH payments?
Yes, when the provider supports the workflow and the authorization, notifications, account changes, cancellation process and recordkeeping are configured appropriately.
Do online ACH debits require account validation?
First-use consumer account information for online ACH debit transactions is subject to account-validation requirements. The available method may include a validation service, micro-entry process, prenotification or another commercially reasonable approach supported by the provider.
Can a returned ACH payment be retried?
Some returned payments may be eligible for reinitiation under specific conditions, while others should not be resubmitted. Return-code handling and customer communication should be built into the operating process.
What do you need for the initial ACH review?
We start with the payment use cases, estimated volume, average and maximum amounts, customer type, transaction channels, recurring needs, current software and the teams responsible for billing and reconciliation.
Add Bank Payments Deliberately
Build an ACH workflow that fits the way you bill, collect and reconcile.
Selective Pay will review the use case, payment channels, authorization path, account validation, risk controls and integration requirements before recommending a solution.