ACH (Echeck Processing)

While credit cards are the most widely accepted form of online payment, Crystal Payments ACH (online check) solution gives merchants the ability to accept ACH payments and increase transaction volumes by 20% or more. We offer enhanced verification options with this service, along with our enhanced fraud scrubbing modules to minimize fraud and returns. Merchants have the ability to accept an electronic check in the virtual terminal, on the payment form, and in Direct Mode, with little or no changes to their websites. This additional element is provided with all the same supplementary features as our credit card processing, including real-time reports, recurring billing, membership management, as well as customizable forms and email receipts.

The Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches network. ACH is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the National Automated Clearing House Association (NACHA) Operating Rules which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.