Sunday, July 31, 2016

Implement ACH Payment processing into Salesforce

Understanding ACH Payment Processing

The term - ACH (Automated Clearing House) is used for an electronic network of financial transactions in the United States and Canada. ACH processes allows large volumes of credit and debit transactions in batch jobs. ACH allow businesses or individuals to transfer money directly from one bank account to another by simply obtaining authorization and then providing the account and routing numbers. The Routing Numbers or Routing Transit Number (RN/RTN) is a nine digit number used in US to identify a financial institution in a ACH/Wire transaction. The ACH networks allows funds to be electronically debited or credited to a company's or individual's deposit account.

ACH credit transfers includes direct deposits in accounts, payroll and vendor payments. ACH direct debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.

ACH is basically a computer-based online clearing and settlement facility established to process the exchange of electronic transactions between participating depository institutions like banks.  Fees for ACH transactions are less expensive than for any other form of payment so that’s why ACH is getting more popular.

Some popular API’s available in the US financial domain for ACH Payment Processing

  • Authorize.Net ACH
  • Forte ACH Processing API
  • ACHeck21
  • ACH Processing Co API
  • Payliance ACH Provider
  • Stripe ACH
  • PayPal Payflow ACH

What can ACH API do for your business?

  • Through ACH API’s, businesses can incorporate ACH payment functionality into another/existing software product like CRM/ERP/ Or Any Application/Website to create custom solution for managing their own transactions as per business needs.
  • It’s an alternative solution to Credit Cards and Checks.
  • It offers lower cost payment than either checks or credit cards. As it cut down the processing costs on payments/transactions.
  • It expedite payments than using checks as it eliminate time wasting trips/steps to the bank by manually converting paper checks to an ACH transfer. It automates the whole process.

Integration with Salesforce CRM

ACH Implementation in Salesforce CRM is very useful for those companies/business houses who wants to manage/automate their payments and invoicing directly from the Salesforce CRM. This will helps in saving time and certainly improves the workflow  by eliminating time-wasting steps in converting paper checks to an ACH transfer.

ACH Integration with Salesforce also facilitate Salesforce users to set up recurring (daily/weekly/monthly) transactions and schedule a batch jobs to automatically collect or disburse funds and streamline the payables operations. This integration is a perfect solution for loan re-payments/part payments, subscriptions, memberships and other recurring payments needs to control from the Salesforce CRM. Also with this integration, it is possible to sync the status of Payments back from ACH API’s to Salesforce. Various Statuses logs that User can track in Salesforce are - “Pending”, “Settled”, “Active -In Process”, and “Failed”.


  1. I acknowledge the author for his brilliant work for making this exceptionally useful and informative content to guide us.

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  2. Thanks for one marvelous posting! I enjoyed reading it; you are a great author. I will make sure to bookmark your blog and may come back someday.Keep in blogging. Inventory Audit | Fixed Assets Audit
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  3. This comment has been removed by the author.

  4. Depending on which industry a company operates in and how clients pay for goods and services, the payment solutions will need to be accessible and suited to your business needs.

  5. Hi

    Thanks for sharing your ideas,

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