ACH (Direct Debit)

Summary

The ACH (Automated Clearing House) or Direct Debit payment method is a form of electronic payment that directly transfers funds between bank accounts. It is most commonly used for direct deposit payments, bill payments, and business-to-business transactions.

ACH Capabilities

ACH Payment Flow

The process typically involves the following steps:

1. The payer enters their account details and authorizes the withdrawal of funds from their bank account during the checkout process.
2. Preczn encrypts the entered data, creates, and returns a token to the Platform.
3. The Platform requests a debit from the payer's account via a Sale transaction.
4. Preczn sends the payment data to the Connection.
5. The Connection initiates the transaction by submitting the payment information to the ACH network.
6. The ACH network processes the request and transfers the funds from the payer's account to the Merchant's account. Note: This process may take 1 to 3 business days.
7. Both parties receive confirmation of the transaction once the funds have been successfully transferred.

Testing

Use Preczn Test Bank Accounts to test your integration.

Preczn Test Bank Accounts

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Test Scenarios

• Not all processor connections support conditional scenario values for ACH payment method

Troubleshooting

Failed transactions due to incorrect account details or insufficient funds are notified via Preczn's Webhooks.