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Become an ACH Processing Company with Sage

The Automatic Clearing House (ACH) is a U.S. Government run system that allows money to be electronically transferred, for one time payments or recurring payments, from one bank account to another, through what’s known as an Electronic Funds Transfer (EFT) in the form of a debit or credit. Recent statistics show that ACH payments are definitely making an impact on the way today’s consumers make payments.

  • 18.2 billion ACH payments made in 2008
  • ACH helps expedite payments which helps to improve cash flow
  • ACH payments were 16% of non-cash payments, but 41% percent of total non-cash value
  • ACH payments help reduce time and money spent on collections

(Sources: Green Sheet, Federal Reserve Report)

The majority of consumers understand that electronic payments are safe, secure and convenient. ACH makes electronic payments easier than writing a check and eliminates late fees and postage. More and more consumers are requesting to do business with an ACH processing company because it saves them time and money. Provide your customers with the option to pay electronically through one time or recurring payments.

Sage Payment Solutions can help both small and large merchants become an ACH processing company. Small merchants will use the Sage Virtual Terminal to process ACH payments, while larger merchants, software companies, and ISP’s may choose to integrate directly with the Sage Gateway to process transactions. Sage Payment Solutions can process ACH payments that are business-to-business, e-check, consumer bills, and e-commerce payments.

ACH Processing Features and Benefits

  • Eliminate trips to the bank
  • Easy to set up and use
  • 24 hour online reporting
  • One time or recurring payments

If you are new to ACH processing, or looking for cost-savings and increased revenue, Sage Payment Solutions can help your company become an ACH processing company. We offer quick merchant account approvals and customized solutions to provide the payment plan and fee structure that works best for you. To receive a free savings analysis or have an Account Executive contact you, click here.

How ACH Processing Works

  1. Written authorization from customer is obtained & customer initiates purchase
  2. Transaction information is processed with Sage Payment Solutions and the Automatic Clearing House through a variety of tools (virtual terminal, payment gateway, API or batch file)
  3. Funds are electronically debited from consumer checking account
  4. Funds are electronically deposited into the merchant’s bank account
Payment Gateway

The Sage Gateway facilitates the transfer of ACH payment information between the payment interface, the Automatic Clearing House, customer and merchant bank for request and approval of the payment transaction. Our robust gateway complies with NACHA (National Automated Clearing House Association) regulations and is also PCI compliant so rest assured your sensitive information is secure.

Integrating Payments with Sage Gateway

Integrating with the Sage Gateway is easy. We offer pre-integrated tools so small merchants can quickly and securely process payments. Our Sage Virtual Terminal and shopping cart help speed the integration process and provide websites with a more professional appearance.

If you require more customized solutions, our API may be what you need. We can provide complete integration information and API documentation to integrate your product software or ISP’s with our payment processing.

Virtual Terminal

The Sage Virtual Terminal is a web interface that processes electronic payment transactions when information is manually key entered into the browser. A secure connection is established with the ACH processing company in order to transfer data from the virtual terminal to the gateway for authorization. Sage Virtual Terminal is a tool that works in conjunction with the ACH network to process payments securely and efficiently and can be accessed 24/7 with an internet connection and a web browser. To log on to the Sage Virtual Terminal click here.

Watch our demo to see how payments are processed using the Sage Virtual Terminal. For more information on the Sage Virtual Terminal download our PDF.

Recurring payments

Increase your customers’ satisfaction by offering them a convenient time saving payment option through ACH processing. With recurring payments you can automatically charge your customers a fixed amount of money on a schedule that works for you and for them. The exact payment is made directly to your merchant account on time, every time.

  • Easy to set up and use
  • Reduces postage, paper, labor expenses, and bank fees
  • Lowers accounts receivables and collection costs
Sage Online Reporting

Sage Online Reporting is available to all merchant types. All transaction data is uploaded daily and can be viewed online 24/7. Check out our demo to get a better understanding of our Sage Online Reporting tool.

Access Transaction Details

  • Search for and find a specific transaction by date, card number, auth # or amount
  • View batch, cardholder and transaction details daily
  • Access to all your monthly statements
  • Chargebacks and retrievals are posted to your account daily, helping you to resolve them quickly and efficiently

Easily Reconcile Accounts

  • Reconcile processed transactions against funds deposited in your bank account to more efficiently manage your business
  • Deposits are recorded daily, allowing you to more easily and reliably manage your cash flow

Automatic Customizable Reports

  • Reports can be customized based on the information you need and can be emailed on the schedule you choose
  • Reports can be exported to Excel, Word, HTML, XML or emailed which makes it easy to integrate with other systems used in your business
  • Past monthly statements are all in one place, allowing you to compare your monthly or quarterly sales and perform trend analysis