Insurance checks and cashier's checks must not be processed electronically (i.e. ACH). Instead, these payments need to be deposited at the bank.
Follow the step-by-step instructions below to process a check transaction.
Process a Check Transaction (ACH)
- Enter the Routing Number and Account Number.
- Select the Account Type: Checking or Savings
- Select the Transaction Type:
- (PPD) Consumer Account: Prearranged Payment and Deposit entry. Used when taking payments from regular customers based on an agreement.
- (CCD) Business Account: Corporate Credit or Debit entry. Used when taking payments from businesses based on an agreement.Fill out any other required fields (and optional fields if you like).
- Select an Action. By default, this option is set to Charge which will charge your customer.
- Enter an Amount.
- Enter an Email Address.
- Note: Email Address is always required for ACH transactions because PayJunction automatically emails the ACH Authorization Form to each customer. The ACH Authorization Form should be signed by every customer. Additionally, PayJunction keeps all ACH Authorization Forms on file for your business as required per ACH Rules set by NACHA.
- Enter required information:
- First Name and Last Name are required for Personal Checks (PPD)
- Company Name is required for Corporate/Business Checks (CCD)
- Click Process.
- You might receive an error if you did not fill out the form correctly. Correct any errors. Click Process after resolving any errors on the form.
- Upon a successful transaction, you will see the following screen.
- Click Complete.
- Your customer will receive the ACH Authorization Form via email. Please make sure that every customer signs the ACH Authorization Form. To sign, customers can simply click on the link in the email. Customers can sign via their laptop, computer, tablet or phone.
Although transactions are processed electronically, ACH still relies on the same network as paper checks. Therefore, transactions may still reject days later if an issue arises (i.e. checks may bounce).