ACH Bill

ACH Processing

Dynamic Billing System

T.O.A.S.T.

Customer Support

We provide this at no charge! ACH Debit uses the ATM switches to determine in real-time whether a check is likely to be returned. This service eliminates entries on closed, frozen and invalid account numbers, as well as provides for certain enhanced NSF warnings. Currently, the coverage is approximately 50% of the account numbers in the US banking system. This means much lower returns and less "free-loaders".

Loyalty Program - Upon cancellation, you can offer your members the chance to stay on at a reduced rate or join another site. If they do not accept, we direct them to the URL of your choice. We also provide this service to your members from our call center.

Cross-Sale Program - Upon sign-up, ACH Debit offers you the ability to cross-sell or up-sell with one of our other merchants or another one of your sites.

Custom Pages and Receipts - ACH Debit allows you to customize your join, accepted, cancel, cross-sell and up-sell pages to help you improve your conversions and retention. You can also customize your email receipts to promote other products or services, or offer up-sells to premium services without the need to re-enter the bank account information.

ACH rules require that all ACH transactions are verified before being originated as debits to the consumers bank. In the case where we are uncertain as to the accuracy of the bank account information, we will send a pre-note to the consumers bank asking them to verify the data. This procedure adds an additional delay on the settlement process, but greatly reduces liability while increasing the success of processing the item correctly.

ACH Debit automatically converts non-ACH entries into paper drafts, deposits them and adds them to your settlements. What is your current processor doing with sign-ups that are originated from non-ACH institutions such as many credit unions? ACH Debit converts non-ACH ABA numbers to proper R/T numbers for institutions that maintain separate numbers than those that appear on a consumer's check. How many sales are you losing by not using ACH Debit?