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Submitting ACH payment requests to the bank | GoCardless Skip to content
Submitting ACH payment requests to the bank Written by Brad Ewin An engineer-turned-writer, Brad’s focus at GoCardless is understanding the problems that face businesses around the globe. And creating the content that makes it easiest for them to navigate the solutions they have available. Brad’s writing has been featured in several other industry blogs and publications, including that of Xero, Intuit, AccountingWEB, and XU Magazine. Connect See full bio Last editedApr 2023 — 1 min read
What is ACH? ACH debit: how to get access How does ACH debit work?ACH debit payments with GoCardless
Once you have access to the scheme and authorization from your customer, how do you actually take payment via ACH debit?
In order to take an ACH debit payment, you’ll need to submit a payment request to your bank. Before you begin, you’ll need an origination agreement in place with an ACH network member bank (i.e. an ODFI).
Submitting prenotifications If this is the first time you’re requesting payment from an account, it can be worth submitting a prenotification first. A prenotification (or prenote ) is effectively a payment request for a zero-dollar amount, enabling you to check the provided bank details are correct.
The main advantages of submitting prenotifications are:
Avoiding failure fees - If the bank details are incorrect, the merchant can avoid any fees that would have been incurred had they submitted a payment request
Catching fraud early - If the customer has provided fraudulent bank details, the bank has the opportunity to detect this
Protecting reputation - Businesses with high volumes of payment failures can be denied access to the ACH scheme (see more here )
Prenotifications are submitted in the same format as regular payment requests, and can be submitted together with payment requests or separately.
How to collect ACH Debit payments with GoCardless 1. Create your free GoCardless account , access your user-friendly payments dashboard & connect your accounting software (if you use one).
2. Easily set up & schedule ACH Debit payments via payment pages on your website checkout or secure payment links.
3. From now on you'll get paid on time, every time, as GoCardless automatically collects payment on the scheduled Direct Debit collection date. Simple.
Collecting payments from US customers can be complicated and expensive! That’s why GoCardless makes it simple, affordable and hassle-free for merchants to collect ACH payments.
The submission process for ACH payment requests To submit payment requests to the ACH network, you need to securely upload an ACH file to your bank, which will then process it and send its own version of the file to the ACH network.
Nacha requires all ACH files follow a specific format, which it outlines in its official rules . As noted earlier, the ACH file format is complex and requires a certain level of technical expertise to generate. However, businesses can avoid the hassle of handling this internally by accessing the ACH scheme indirectly via a TPPP, which will handle it instead.
If an ACH payment request is successful, your account will be credited. However, if a payment fails, your bank will send a message detailing the failure - this is called a return .
Making changes to ACH payment requests It may sometimes be necessary to make changes to payments that you’ve already submitted, such as correcting small errors that are not significant enough to trigger the payment request to fail. For example, using the name Bobby Smith for a customer whose account is in the name Robert Smith . In cases like these, the bank will still process the payment, but will also send you a Notification of Change , warning you to update the customer details.
With no stress and no complicated financial paperwork GoCardless makes getting paid by US customers super-simple and hassle-free.
Interested in automating the way you get paid? GoCardless can help Contact us Seen 'GoCardless Ltd' on your bank statement? Learn more
GoCardless Ltd, Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom
GoCardless Ltd (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services.
Try a better way to collect payments
Try a better way to collect payments