How do I process an ACH transaction?

Step-By-Step Instructions

Follow the step-by-step instructions below to learn how to process a ACH transaction.

  1. Goto
  2. Click Merchant Login.
  3. Once you have logged in, click the big Process A Check button on the upper left hand side of the page.

    Note that you will be using the Check Transaction tab at the top of the check processing form.
  4. Complete any fields that have a star or a security shield next to it.  If you like, the form can be customized to more specifically fit your business needs.
  5. Enter the Routing Number and Account Number.
  6. Select the Account Type: Checking or Savings
  7. Select the Transaction Type:
    1. (PPD) Consumer Account: Prearranged Payment and Deposit entry. Used when taking payments from regular customers based on an agreement.
    2. (CCD) Business Account: Corporate Credit or Debit entry. Used when taking payments from businesses based on an agreement.
    3. (TEL) Order via Telephone: Telephone initiated entry. Used when taking payments over the telephone.
  8. Fill out any other required fields (and optional fields if you like).

  9. Scroll to the bottom and click Process.
    1. 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.
  10. Upon a successful transaction, you will see a green approval.

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