How to Process ACH Transactions with Invoices (WEB/Plaid)

ACH Web/Plaid transactions can only be processed through the Invoice screen in the Virtual Terminal.

If you would like to have Plaid added to your account, give us a call at 800-601-0230 option 3 for Support.

Process Overview

I. Navigate to the Invoices Screen

II. Enter ACH Payment Details and Send the Invoice

III. The Customer Pays Through Plaid

IV. ACH Web/Plaid FAQs

I. Navigate to the Invoices Screen

1. Click on Invoices.

   

2. Click New Invoice towards the top-right of the Invoice screen.

   

3. Select the ACH / Ecommerce from the Account drop-down.

   

4. Select the Delivery Method.
   1. Email: Sends a payment request to the customer via email. 
   2. Text Message: Sends a payment request to the customer via text message.
   3. Email and Text Message: Sends a payment request to the customer via email and text message.

II. Enter ACH Payment Details and Send the Invoice

1. Enter the Recipient information.
   1. First Name.
   2. Last Name.
   3. Customer ID. 
   4. Phone (mobile phone number to send a text message).
   5. Email Address and/or Phone Number, depending on the Delivery Method you chose.
2. Enter the Invoice Details.
   1. Enter the Amount.
   2. Enter an Invoice Number (optional).
   3. Attach a PDF (optional).
   4. Include a Message for your customer (optional).
3. Click the Submit button.

III. The Customer Pays Through Plaid

1. The customer will receive a payment link as a text, email, or both - depending on how you set the Invoice delivery method.

2. When the customer clicks on the payment link, they will be taken to a PayJunction Payment Request page.
   After entering the required information and clicking the green PAY button, the customer will be redirected to the Plaid system.

   

3. Next, the customer will be prompted to link their bank account with Plaid.
   If your customer wants to proceed without entering their phone number, they can click "Continue without phone number"  below the Continue button.
   This is where the Plaid session will start.

   

4. Now, your customer can follow the prompts to link their bank account.

   

5. You customer can click Continue to login to open a pop-up window for their chosen bank.
   Different banks may have different ways for your customer to authorize their account details.

   

6. When your customer sees this next screen, Plaid is now connected to their bank account.
   Clicking Continue will process the payment.

   Note: If your customer did not enter their phone number at the start of this process, a window will appear asking if your customer would like to save their banking on file with Plaid. They can choose to bypass this option.

   

7. If the transaction is successful, the pop-up window will display the following confirmation.
   Clicking Continue will bring up the confirmation window for your customer, and a receipt will be automatically sent.
   

   

IV. ACH Web/Plaid FAQs