ACH Payment Workflow

Created by Binita Goswami, Modified on Fri, 18 Apr at 7:16 PM by Binita Goswami

This manual provides a comprehensive guide on how to create and process ACH payments through both the web portal and the mobile application. ACH (Automated Clearing House) payments offer a secure and cost-effective way to transfer funds electronically between bank accounts.

The system enables users to generate invoices, share secure payment URLs, and track payment statuses in real time via a Hosted Payment Page (HPP). Whether you're using the web interface or the mobile app, this guide will walk you through each step—from invoice creation to final payment confirmation—ensuring a smooth and efficient payment process for your customers.

Here is a reference video:

1. Creating an Invoice via Web Portal

Step 1: Navigate to the ACH Invoice Section

Log into the system.
Go to the ACH Invoice section from the navigation menu.

Step 2: Create a New Invoice

Click on Invoice, then New Invoice.
Enter a title (e.g., “Demo Title”).
Select a customer.
In the Service section, choose an item.

Step 3: Set Payment Method and Details

Select ACH as the payment method.
Enter the payment amount.
Optionally, add a note, recommendation, or file.
Click Save to generate the invoice.

Step 4: Access the Hosted Payment Page (HPP)

Check your inbox for the invoice email.
Click the “Click here to pay” link or copy the link and open it in a new browser tab.

2. Making a Payment via Hosted Payment Page (HPP)

Step 1: Choose a Payment Option

On the HPP, choose from Card, ACH, GPay, etc.

Note: ACH payments do not incur custom fees.

Step 2: Enter Payment Information (Card Example)

Select Card for demo purposes.
Enter:
- Card Number
- Expiry Date
- CVV (e.g., 999)
- Cardholder Name
Click Pay.

Step 3: Confirm Payment

Upon successful payment, you’ll be taken to the Payment Success screen.

Step 4: Verify Payment on Portal

Go back to the invoice list and refresh the page.
Paid amount will now reflect under the invoice (e.g., $1.55 paid).
Click the invoice to view payment transaction details.

3. Review in iPOS Section

Step 1: Navigate to iPOS

Open the iPOS section in the system.

Step 2: Refresh to View Transaction

Refresh to load transaction details.
View:
- Base amount
- Custom fee
- Label (e.g., HPP)

4. Making an Additional Payment via ACH

Step 1: Edit Invoice

Reopen the invoice.
Change or add a new ACH payment amount (e.g., $2.15).
Click Save.

Step 2: Use HPP Link for Payment

A new HPP payment URL is generated.
Open the URL in a browser and follow the same payment steps.

5. Creating and Paying an Invoice via Mobile App

Step 1: Open the Mobile App

Tap on More > Invoice.
Select the latest invoice.

Step 2: Copy and Share SHURL

Tap the three dots.
Select Copy SHURL.
Share the link via email, WhatsApp, etc.

Step 3: Create a New Invoice

Tap Create Invoice.
Select customer and service item.
Set ACH as payment method.
Enter amount (e.g., $2.25).
Provide signature or additional info (optional).
Tap Save.

Step 4: Access and Use SHURL

Copy the newly generated SHURL.
Paste in a browser to make payment as shown earlier.

Step 5: Confirm Payment

Refresh the invoice list to see updated paid status.
Payment will also appear in the iPOS section.

6. Creating New ACH Url on Mobile

If ACH Url is not visible, select Create Another ACH Url.
Enter the full amount for the payment.
A new link is generated and emailed to the customer.
The link can be copied and shared as needed.

7. System Configuration for ACH, HPP, and iPOS

Step 1: Navigate to System Settings

Go to System Configuration > iPOS section.

Step 2: Configure Payment Settings

Set the environment: Sandbox (for test) or Production (for live).
Enable toggles for:
- ACH
- HPP
Provide:
- T-PIN
- Authentication Key

Step 3: Customize UI (Optional)

Set theme color, button text (e.g., Pay Now, Cancel), and button color.
Override disclaimer or merchant name if needed.