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If you only have one, it will be the ",{"text":466,"type":326,"marks":467},"Default Payment Method Set",[468],{"type":347},{"text":355,"type":326},{"type":403,"content":471},[472],{"type":321,"attrs":473,"content":474},{"textAlign":194},[475,477,481,483,486],{"text":476,"type":326},"Click ",{"text":478,"type":326,"marks":479},"Add payment method +",[480],{"type":347},{"text":482,"type":326}," and choose ",{"text":308,"type":326,"marks":484},[485],{"type":347},{"text":355,"type":326},{"type":403,"content":488},[489],{"type":321,"attrs":490,"content":491},{"textAlign":194},[492,494,498,500,503,505,508,510,514],{"text":493,"type":326},"Under ",{"text":495,"type":326,"marks":496},"Live setup",[497],{"type":347},{"text":499,"type":326},", enter your ",{"text":411,"type":326,"marks":501},[502],{"type":347},{"text":504,"type":326}," and ",{"text":423,"type":326,"marks":506},[507],{"type":347},{"text":509,"type":326},". This setup only takes effect once ",{"text":511,"type":326,"marks":512},"Use live credentials",[513],{"type":347},{"text":515,"type":326}," is turned on for the payment method set.",{"type":403,"content":517},[518],{"type":321,"attrs":519,"content":520},{"textAlign":194},[521,522,526,528,532],{"text":476,"type":326},{"text":523,"type":326,"marks":524},"Create",[525],{"type":347},{"text":527,"type":326}," — or ",{"text":529,"type":326,"marks":530},"Save",[531],{"type":347},{"text":533,"type":326},", if you are editing an existing entry.",{"type":321,"attrs":535,"content":536},{"textAlign":194},[537,539,542,544,548,550,554],{"text":538,"type":326},"The panel is split into a ",{"text":495,"type":326,"marks":540},[541],{"type":347},{"text":543,"type":326}," block and a ",{"text":545,"type":326,"marks":546},"Test setup",[547],{"type":347},{"text":549,"type":326}," block carrying the same two fields. (The Live heading reads \"Live setup (inactive)\" while the set has ",{"text":511,"type":326,"marks":551},[552],{"type":553},"italic",{"text":555,"type":326}," switched off — that is the current state of the set, not a different set of fields.)",{"type":383,"attrs":557,"content":558},{"level":385,"textAlign":194},[559],{"text":560,"type":326},"What the customer fills in at checkout",{"type":321,"attrs":562,"content":563},{"textAlign":194},[564],{"text":565,"type":326},"For an ACH.com payment, Foxy collects:",{"type":400,"content":567},[568,579,590,601,623],{"type":403,"content":569},[570],{"type":321,"attrs":571,"content":572},{"textAlign":194},[573,577],{"text":574,"type":326,"marks":575},"Routing number",[576],{"type":347},{"text":578,"type":326}," — Notes: The nine-digit ABA routing number of the customer's bank.",{"type":403,"content":580},[581],{"type":321,"attrs":582,"content":583},{"textAlign":194},[584,588],{"text":585,"type":326,"marks":586},"Account number",[587],{"type":347},{"text":589,"type":326}," — Notes: The bank account number.",{"type":403,"content":591},[592],{"type":321,"attrs":593,"content":594},{"textAlign":194},[595,599],{"text":596,"type":326,"marks":597},"Name on account",[598],{"type":347},{"text":600,"type":326}," — Notes: The name on the bank account.",{"type":403,"content":602},[603],{"type":321,"attrs":604,"content":605},{"textAlign":194},[606,610,612,616,618,622],{"text":607,"type":326,"marks":608},"Account type",[609],{"type":347},{"text":611,"type":326}," — Notes: A dropdown offering ",{"text":613,"type":326,"marks":614},"Checking",[615],{"type":347},{"text":617,"type":326}," or ",{"text":619,"type":326,"marks":620},"Savings",[621],{"type":347},{"text":355,"type":326},{"type":403,"content":624},[625],{"type":321,"attrs":626,"content":627},{"textAlign":194},[628,632],{"text":629,"type":326,"marks":630},"Account-ownership checkbox",[631],{"type":347},{"text":633,"type":326}," — Notes: See below.",{"type":321,"attrs":635,"content":636},{"textAlign":194},[637,639,643],{"text":638,"type":326},"ACH.com is the ",{"text":640,"type":326,"marks":641},"only",[642],{"type":347},{"text":644,"type":326}," ACH gateway on Foxy that asks the customer whether the account is checking or savings. If savings-account support matters to you, that is a reason to choose it over the alternatives.",{"type":321,"attrs":646,"content":647},{"textAlign":194},[648,650,654,656,660],{"text":649,"type":326},"The checkout also shows a checkbox the customer has to tick, reading ",{"text":651,"type":326,"marks":652},"\"I represent that I am the owner and\u002For authorized signer on the checking account above\"",[653],{"type":553},{"text":655,"type":326},". The checkout will not submit without it, and there is no setting to turn it off. ACH is a pull from someone's bank account, and NACHA — the body that governs the ACH network — expects the account holder to have authorised the debit. See ",{"text":371,"type":326,"marks":657},[658],{"type":374,"attrs":659},{"href":376,"uuid":194,"anchor":194,"target":377,"linktype":25},{"text":661,"type":326}," for more.",{"type":383,"attrs":663,"content":664},{"level":385,"textAlign":194},[665],{"text":666,"type":326},"Testing",{"type":321,"attrs":668,"content":669},{"textAlign":194},[670,672,676,678,681],{"text":671,"type":326},"Foxy does ",{"text":673,"type":326,"marks":674},"not",[675],{"type":347},{"text":677,"type":326}," supply shared test credentials for ACH.com. To run test transactions you will need test credentials from ACH.com — a test NACHA ID and Security Token — and enter them in the ",{"text":545,"type":326,"marks":679},[680],{"type":347},{"text":682,"type":326}," block.",{"type":321,"attrs":684,"content":685},{"textAlign":194},[686],{"text":687,"type":326},"As with every ACH gateway on Foxy, you can confirm that the checkout accepts bank details and that the gateway accepts the submission, but you cannot rehearse settlement or a return. Foxy is not told the outcome in production either, so plan your reconciliation process before your first live ACH order rather than after one bounces.",{"type":321,"attrs":689,"content":690},{"textAlign":194},[691],{"text":692,"type":326},"There are no test card numbers for this gateway — it does not touch cards at all.",{"type":383,"attrs":694,"content":695},{"level":385,"textAlign":194},[696],{"text":697,"type":326},"Advanced features",{"type":400,"content":699},[700,711,722],{"type":403,"content":701},[702],{"type":321,"attrs":703,"content":704},{"textAlign":194},[705,709],{"text":706,"type":326,"marks":707},"No 3-D Secure, no client-side JavaScript.",[708],{"type":347},{"text":710,"type":326}," ACH has no equivalent of card authentication, and this gateway needs no SDK or JavaScript on your checkout. It is a plain server-side integration: nothing to load, nothing to style, nothing extra to configure in your checkout template.",{"type":403,"content":712},[713],{"type":321,"attrs":714,"content":715},{"textAlign":194},[716,720],{"text":717,"type":326,"marks":718},"No card verification, no AVS, no CSC.",[719],{"type":347},{"text":721,"type":326}," There is no card, so none of these apply.",{"type":403,"content":723},[724],{"type":321,"attrs":725,"content":726},{"textAlign":194},[727,731],{"text":728,"type":326,"marks":729},"No multi-currency and no authorization-only.",[730],{"type":347},{"text":732,"type":326}," ACH.com processes USD only, and does not support authorising a payment without capturing it.",{"type":383,"attrs":734,"content":735},{"level":385,"textAlign":194},[736],{"text":737,"type":326},"Important notes and caveats",{"type":400,"content":739},[740,782,793],{"type":403,"content":741},[742],{"type":321,"attrs":743,"content":744},{"textAlign":194},[745,749,753,757,759,763,765,769,771,774,776,780],{"text":746,"type":326,"marks":747},"Transactions stay ",[748],{"type":347},{"text":349,"type":326,"marks":750},[751,752],{"type":352},{"type":347},{"text":754,"type":326,"marks":755}," forever.",[756],{"type":347},{"text":758,"type":326}," Covered above and in ",{"text":371,"type":326,"marks":760},[761],{"type":374,"attrs":762},{"href":376,"uuid":194,"anchor":194,"target":377,"linktype":25},{"text":764,"type":326},". If you have a datafeed, the ",{"text":766,"type":326,"marks":767},"status",[768],{"type":352},{"text":770,"type":326}," node on an ACH transaction will read ",{"text":349,"type":326,"marks":772},[773],{"type":352},{"text":775,"type":326}," and no further datafeed will arrive to change it. Do not write fulfilment logic that waits for ",{"text":777,"type":326,"marks":778},"approved",[779],{"type":352},{"text":781,"type":326}," on an ACH order.",{"type":403,"content":783},[784],{"type":321,"attrs":785,"content":786},{"textAlign":194},[787,791],{"text":788,"type":326,"marks":789},"ACH is slow and reversible.",[790],{"type":347},{"text":792,"type":326}," Settlement takes several days, and a debit can be returned after the fact for insufficient funds, a closed account or a customer dispute. Decide deliberately whether you are willing to fulfil against an unsettled ACH payment.",{"type":403,"content":794},[795],{"type":321,"attrs":796,"content":797},{"textAlign":194},[798,802],{"text":799,"type":326,"marks":800},"Refunds and voids can be issued from Foxy.",[801],{"type":347},{"text":803,"type":326}," ACH.com is one of only two ACH gateways where Foxy can send a refund or void request to the gateway — most cannot. Foxy sending the request is not a guarantee ACH.com will accept it: that depends on ACH.com's own rules and on how long ago the debit was submitted. If it is declined, or if the debit has already settled, take it up with ACH.com directly.",{"type":383,"attrs":805,"content":806},{"level":385,"textAlign":194},[807],{"text":808,"type":326},"Troubleshooting",{"type":321,"attrs":810,"content":811},{"textAlign":194},[812,816,818,821,823,826,828,831],{"text":813,"type":326,"marks":814},"Every ACH transaction is declined.",[815],{"type":347},{"text":817,"type":326}," Check with ACH.com that your account is approved and live for origination, and that the NACHA ID and Security Token in Foxy are the ones for the mode you are running in — ",{"text":495,"type":326,"marks":819},[820],{"type":347},{"text":822,"type":326}," if the payment method set has ",{"text":511,"type":326,"marks":824},[825],{"type":553},{"text":827,"type":326}," on, ",{"text":545,"type":326,"marks":829},[830],{"type":347},{"text":832,"type":326}," if it does not.",{"type":321,"attrs":834,"content":835},{"textAlign":194},[836,840],{"text":837,"type":326,"marks":838},"A transaction shows as pending days later.",[839],{"type":347},{"text":841,"type":326}," That is expected and permanent. See above.",{"type":321,"attrs":843,"content":844},{"textAlign":194},[845,849],{"text":846,"type":326,"marks":847},"Anything about a specific transaction's fate",[848],{"type":347},{"text":850,"type":326}," — settled, returned, held — has to come from ACH.com or your bank. Foxy does not have that information.",[],"ACH.com is a US ACH-only payment provider that processes bank debits over the Automated Clearing House network. It does not process cards.",{"type":317,"content":854},[855],{"type":321},"Connect Foxy to ACH.com for secure payments.","https:\u002F\u002Fach.com","payment_method",{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":860},{},{"id":862,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":863,"copyright":16,"fieldtype":18,"meta_data":864,"is_external_url":59},210901758350974,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F300x116\u002Fdad309da2c\u002Fach-com-logo-reversed1.svg",{"size":865},"197x76",[867],"efb0ca20-6094-4042-a27b-1f3187cc2176",{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":869},{},{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":871},{},{"id":873,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":874,"copyright":16,"fieldtype":18,"meta_data":875,"is_external_url":59},210901758338685,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F434x168\u002Fd47d0c9fbd\u002Fach_logo.png",{"size":876},"434x168",{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":878},{},[],[],[882],"refunds",[884],"US","ach-com","payment-methods\u002Fmethods\u002Fach-com",-1420,[],3352,"5d2fd79b-b22d-45fb-ae9a-007df9d27f88",[],{"html":893,"sections":894,"segments":908},"\u003Cp>ACH.com is an ACH-only payment provider. It processes bank debits over the US Automated Clearing House network — it does not handle cards, so it is added alongside a card gateway rather than instead of one.\u003C\u002Fp>\u003Cp>Supported country: United States. ACH is a US-only network, so this gateway processes USD from US bank accounts only.\u003C\u002Fp>\u003Cdiv class=\"alert alert-soft-info text-body my-5 rounded-2\" role=\"alert\">\u003C!---->\u003Cdiv class=\"paragraph-m-0\">\u003Cp>\u003Cstrong>Read this first: ACH transactions in Foxy stay \u003C\u002Fstrong>\u003Cstrong>\u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode>\u003C\u002Fstrong>\u003Cstrong>.\u003C\u002Fstrong> ACH.com does not send Foxy any notification when a payment settles or is returned, so Foxy has no way to learn the outcome. An ACH transaction is recorded as \u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode> and stays \u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode> — it will not move to approved or declined on its own. You reconcile settlement in your ACH.com account or your bank, not in Foxy. This is a limitation at the gateway, not in Foxy. See \u003Ca href=\"\u002Fhelp\u002Farticles\u002Fach-payments-overview\" target=\"_blank\" class=\"\">ACH payments on Foxy\u003C\u002Fa> for the full explanation and a suggested reconciliation routine.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003Csection id=\"setting-up-achcom\" data-title=\"Setting up ACH.com\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"setting-up-achcom\">Setting up ACH.com\u003C\u002Fh2>\u003Cp>You will need an ACH.com merchant account before you start. ACH origination is underwritten — signing up is not instant, and adding the payment method in Foxy does not enable ACH processing on its own.\u003C\u002Fp>\u003Cp>From ACH.com, obtain:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>your \u003Cstrong>NACHA ID\u003C\u002Fstrong>, the identifier for your ACH origination account\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>your \u003Cstrong>Security Token\u003C\u002Fstrong>, the credential Foxy authenticates with\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>ACH.com's support team can tell you where these are shown in their merchant portal. Then, in Foxy:\u003C\u002Fp>\u003Col class=\"step step-icon-sm step-dashed step-border-last-0 mt-3\">\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">1\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Go to the \u003Ca href=\"https:\u002F\u002Fadmin.foxy.io\" target=\"_blank\" class=\"\">Foxy admin\u003C\u002Fa> and open \u003Cstrong>Settings > Payments\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">2\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Open or create a payment method set. If you only have one, it will be the \u003Cstrong>Default Payment Method Set\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">3\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Click \u003Cstrong>Add payment method +\u003C\u002Fstrong> and choose \u003Cstrong>ACH.com\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">4\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Under \u003Cstrong>Live setup\u003C\u002Fstrong>, enter your \u003Cstrong>NACHA ID\u003C\u002Fstrong> and \u003Cstrong>Security Token\u003C\u002Fstrong>. This setup only takes effect once \u003Cstrong>Use live credentials\u003C\u002Fstrong> is turned on for the payment method set.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">5\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Click \u003Cstrong>Create\u003C\u002Fstrong> — or \u003Cstrong>Save\u003C\u002Fstrong>, if you are editing an existing entry.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>The panel is split into a \u003Cstrong>Live setup\u003C\u002Fstrong> block and a \u003Cstrong>Test setup\u003C\u002Fstrong> block carrying the same two fields. (The Live heading reads "Live setup (inactive)" while the set has \u003Cem>Use live credentials\u003C\u002Fem> switched off — that is the current state of the set, not a different set of fields.)\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"what-the-customer-fills-in-at-checkout\" data-title=\"What the customer fills in at checkout\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"what-the-customer-fills-in-at-checkout\">What the customer fills in at checkout\u003C\u002Fh2>\u003Cp>For an ACH.com payment, Foxy collects:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Routing number\u003C\u002Fstrong> — Notes: The nine-digit ABA routing number of the customer's bank.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Account number\u003C\u002Fstrong> — Notes: The bank account number.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Name on account\u003C\u002Fstrong> — Notes: The name on the bank account.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Account type\u003C\u002Fstrong> — Notes: A dropdown offering \u003Cstrong>Checking\u003C\u002Fstrong> or \u003Cstrong>Savings\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Account-ownership checkbox\u003C\u002Fstrong> — Notes: See below.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>ACH.com is the \u003Cstrong>only\u003C\u002Fstrong> ACH gateway on Foxy that asks the customer whether the account is checking or savings. If savings-account support matters to you, that is a reason to choose it over the alternatives.\u003C\u002Fp>\u003Cp>The checkout also shows a checkbox the customer has to tick, reading \u003Cem>"I represent that I am the owner and\u002For authorized signer on the checking account above"\u003C\u002Fem>. The checkout will not submit without it, and there is no setting to turn it off. ACH is a pull from someone's bank account, and NACHA — the body that governs the ACH network — expects the account holder to have authorised the debit. See \u003Ca href=\"\u002Fhelp\u002Farticles\u002Fach-payments-overview\" target=\"_blank\" class=\"\">ACH payments on Foxy\u003C\u002Fa> for more.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"testing\" data-title=\"Testing\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"testing\">Testing\u003C\u002Fh2>\u003Cp>Foxy does \u003Cstrong>not\u003C\u002Fstrong> supply shared test credentials for ACH.com. To run test transactions you will need test credentials from ACH.com — a test NACHA ID and Security Token — and enter them in the \u003Cstrong>Test setup\u003C\u002Fstrong> block.\u003C\u002Fp>\u003Cp>As with every ACH gateway on Foxy, you can confirm that the checkout accepts bank details and that the gateway accepts the submission, but you cannot rehearse settlement or a return. Foxy is not told the outcome in production either, so plan your reconciliation process before your first live ACH order rather than after one bounces.\u003C\u002Fp>\u003Cp>There are no test card numbers for this gateway — it does not touch cards at all.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"advanced-features\" data-title=\"Advanced features\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"advanced-features\">Advanced features\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>No 3-D Secure, no client-side JavaScript.\u003C\u002Fstrong> ACH has no equivalent of card authentication, and this gateway needs no SDK or JavaScript on your checkout. It is a plain server-side integration: nothing to load, nothing to style, nothing extra to configure in your checkout template.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>No card verification, no AVS, no CSC.\u003C\u002Fstrong> There is no card, so none of these apply.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>No multi-currency and no authorization-only.\u003C\u002Fstrong> ACH.com processes USD only, and does not support authorising a payment without capturing it.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fsection>\u003Csection id=\"important-notes-and-caveats\" data-title=\"Important notes and caveats\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"important-notes-and-caveats\">Important notes and caveats\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Transactions stay \u003C\u002Fstrong>\u003Cstrong>\u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode>\u003C\u002Fstrong>\u003Cstrong> forever.\u003C\u002Fstrong> Covered above and in \u003Ca href=\"\u002Fhelp\u002Farticles\u002Fach-payments-overview\" target=\"_blank\" class=\"\">ACH payments on Foxy\u003C\u002Fa>. If you have a datafeed, the \u003Ccode class=\"badge bg-soft-danger text-danger\">status\u003C\u002Fcode> node on an ACH transaction will read \u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode> and no further datafeed will arrive to change it. Do not write fulfilment logic that waits for \u003Ccode class=\"badge bg-soft-danger text-danger\">approved\u003C\u002Fcode> on an ACH order.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>ACH is slow and reversible.\u003C\u002Fstrong> Settlement takes several days, and a debit can be returned after the fact for insufficient funds, a closed account or a customer dispute. Decide deliberately whether you are willing to fulfil against an unsettled ACH payment.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Refunds and voids can be issued from Foxy.\u003C\u002Fstrong> ACH.com is one of only two ACH gateways where Foxy can send a refund or void request to the gateway — most cannot. Foxy sending the request is not a guarantee ACH.com will accept it: that depends on ACH.com's own rules and on how long ago the debit was submitted. If it is declined, or if the debit has already settled, take it up with ACH.com directly.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fsection>\u003Csection id=\"troubleshooting\" data-title=\"Troubleshooting\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"troubleshooting\">Troubleshooting\u003C\u002Fh2>\u003Cp>\u003Cstrong>Every ACH transaction is declined.\u003C\u002Fstrong> Check with ACH.com that your account is approved and live for origination, and that the NACHA ID and Security Token in Foxy are the ones for the mode you are running in — \u003Cstrong>Live setup\u003C\u002Fstrong> if the payment method set has \u003Cem>Use live credentials\u003C\u002Fem> on, \u003Cstrong>Test setup\u003C\u002Fstrong> if it does not.\u003C\u002Fp>\u003Cp>\u003Cstrong>A transaction shows as pending days later.\u003C\u002Fstrong> That is expected and permanent. See above.\u003C\u002Fp>\u003Cp>\u003Cstrong>Anything about a specific transaction's fate\u003C\u002Fstrong> — settled, returned, held — has to come from ACH.com or your bank. Foxy does not have that information.\u003C\u002Fp>\u003C\u002Fsection>",[895,898,900,902,904,906],{"id":896,"title":388,"level":897},"setting-up-achcom","H2",{"id":899,"title":560,"level":897},"what-the-customer-fills-in-at-checkout",{"id":901,"title":666,"level":897},"testing",{"id":903,"title":697,"level":897},"advanced-features",{"id":905,"title":737,"level":897},"important-notes-and-caveats",{"id":907,"title":808,"level":897},"troubleshooting",[909,912,913],{"type":910,"content":911},"html","\u003Cp>ACH.com is an ACH-only payment provider. It processes bank debits over the US Automated Clearing House network — it does not handle cards, so it is added alongside a card gateway rather than instead of one.\u003C\u002Fp>\u003Cp>Supported country: United States. ACH is a US-only network, so this gateway processes USD from US bank accounts only.\u003C\u002Fp>",{"type":333,"blok":337},{"type":910,"content":914},"\u003Ch2>Setting up ACH.com\u003C\u002Fh2>\u003Cp>You will need an ACH.com merchant account before you start. ACH origination is underwritten — signing up is not instant, and adding the payment method in Foxy does not enable ACH processing on its own.\u003C\u002Fp>\u003Cp>From ACH.com, obtain:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>your \u003Cstrong>NACHA ID\u003C\u002Fstrong>, the identifier for your ACH origination account\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>your \u003Cstrong>Security Token\u003C\u002Fstrong>, the credential Foxy authenticates with\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>ACH.com's support team can tell you where these are shown in their merchant portal. Then, in Foxy:\u003C\u002Fp>\u003Col order=\"1\">\u003Cli>\u003Cp>Go to the \u003Ca href=\"https:\u002F\u002Fadmin.foxy.io\" target=\"_blank\" class=\"\">Foxy admin\u003C\u002Fa> and open \u003Cstrong>Settings > Payments\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Open or create a payment method set. If you only have one, it will be the \u003Cstrong>Default Payment Method Set\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Click \u003Cstrong>Add payment method +\u003C\u002Fstrong> and choose \u003Cstrong>ACH.com\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Under \u003Cstrong>Live setup\u003C\u002Fstrong>, enter your \u003Cstrong>NACHA ID\u003C\u002Fstrong> and \u003Cstrong>Security Token\u003C\u002Fstrong>. This setup only takes effect once \u003Cstrong>Use live credentials\u003C\u002Fstrong> is turned on for the payment method set.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Click \u003Cstrong>Create\u003C\u002Fstrong> — or \u003Cstrong>Save\u003C\u002Fstrong>, if you are editing an existing entry.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>The panel is split into a \u003Cstrong>Live setup\u003C\u002Fstrong> block and a \u003Cstrong>Test setup\u003C\u002Fstrong> block carrying the same two fields. (The Live heading reads "Live setup (inactive)" while the set has \u003Cem>Use live credentials\u003C\u002Fem> switched off — that is the current state of the set, not a different set of fields.)\u003C\u002Fp>\u003Ch2>What the customer fills in at checkout\u003C\u002Fh2>\u003Cp>For an ACH.com payment, Foxy collects:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Routing number\u003C\u002Fstrong> — Notes: The nine-digit ABA routing number of the customer's bank.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Account number\u003C\u002Fstrong> — Notes: The bank account number.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Name on account\u003C\u002Fstrong> — Notes: The name on the bank account.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Account type\u003C\u002Fstrong> — Notes: A dropdown offering \u003Cstrong>Checking\u003C\u002Fstrong> or \u003Cstrong>Savings\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Account-ownership checkbox\u003C\u002Fstrong> — Notes: See below.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>ACH.com is the \u003Cstrong>only\u003C\u002Fstrong> ACH gateway on Foxy that asks the customer whether the account is checking or savings. If savings-account support matters to you, that is a reason to choose it over the alternatives.\u003C\u002Fp>\u003Cp>The checkout also shows a checkbox the customer has to tick, reading \u003Cem>"I represent that I am the owner and\u002For authorized signer on the checking account above"\u003C\u002Fem>. The checkout will not submit without it, and there is no setting to turn it off. ACH is a pull from someone's bank account, and NACHA — the body that governs the ACH network — expects the account holder to have authorised the debit. See \u003Ca href=\"\u002Fhelp\u002Farticles\u002Fach-payments-overview\" target=\"_blank\" class=\"\">ACH payments on Foxy\u003C\u002Fa> for more.\u003C\u002Fp>\u003Ch2>Testing\u003C\u002Fh2>\u003Cp>Foxy does \u003Cstrong>not\u003C\u002Fstrong> supply shared test credentials for ACH.com. To run test transactions you will need test credentials from ACH.com — a test NACHA ID and Security Token — and enter them in the \u003Cstrong>Test setup\u003C\u002Fstrong> block.\u003C\u002Fp>\u003Cp>As with every ACH gateway on Foxy, you can confirm that the checkout accepts bank details and that the gateway accepts the submission, but you cannot rehearse settlement or a return. Foxy is not told the outcome in production either, so plan your reconciliation process before your first live ACH order rather than after one bounces.\u003C\u002Fp>\u003Cp>There are no test card numbers for this gateway — it does not touch cards at all.\u003C\u002Fp>\u003Ch2>Advanced features\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>No 3-D Secure, no client-side JavaScript.\u003C\u002Fstrong> ACH has no equivalent of card authentication, and this gateway needs no SDK or JavaScript on your checkout. It is a plain server-side integration: nothing to load, nothing to style, nothing extra to configure in your checkout template.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>No card verification, no AVS, no CSC.\u003C\u002Fstrong> There is no card, so none of these apply.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>No multi-currency and no authorization-only.\u003C\u002Fstrong> ACH.com processes USD only, and does not support authorising a payment without capturing it.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Important notes and caveats\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Transactions stay \u003C\u002Fstrong>\u003Cstrong>\u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode>\u003C\u002Fstrong>\u003Cstrong> forever.\u003C\u002Fstrong> Covered above and in \u003Ca href=\"\u002Fhelp\u002Farticles\u002Fach-payments-overview\" target=\"_blank\" class=\"\">ACH payments on Foxy\u003C\u002Fa>. If you have a datafeed, the \u003Ccode class=\"badge bg-soft-danger text-danger\">status\u003C\u002Fcode> node on an ACH transaction will read \u003Ccode class=\"badge bg-soft-danger text-danger\">pending\u003C\u002Fcode> and no further datafeed will arrive to change it. Do not write fulfilment logic that waits for \u003Ccode class=\"badge bg-soft-danger text-danger\">approved\u003C\u002Fcode> on an ACH order.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>ACH is slow and reversible.\u003C\u002Fstrong> Settlement takes several days, and a debit can be returned after the fact for insufficient funds, a closed account or a customer dispute. Decide deliberately whether you are willing to fulfil against an unsettled ACH payment.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Refunds and voids can be issued from Foxy.\u003C\u002Fstrong> ACH.com is one of only two ACH gateways where Foxy can send a refund or void request to the gateway — most cannot. Foxy sending the request is not a guarantee ACH.com will accept it: that depends on ACH.com's own rules and on how long ago the debit was submitted. If it is declined, or if the debit has already settled, take it up with ACH.com directly.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Troubleshooting\u003C\u002Fh2>\u003Cp>\u003Cstrong>Every ACH transaction is declined.\u003C\u002Fstrong> Check with ACH.com that your account is approved and live for origination, and that the NACHA ID and Security Token in Foxy are the ones for the mode you are running in — \u003Cstrong>Live setup\u003C\u002Fstrong> if the payment method set has \u003Cem>Use live credentials\u003C\u002Fem> on, \u003Cstrong>Test setup\u003C\u002Fstrong> if it does not.\u003C\u002Fp>\u003Cp>\u003Cstrong>A transaction shows as pending days later.\u003C\u002Fstrong> That is expected and permanent. See above.\u003C\u002Fp>\u003Cp>\u003Cstrong>Anything about a specific transaction's fate\u003C\u002Fstrong> — settled, returned, held — has to come from ACH.com or your bank. Foxy does not have that information.\u003C\u002Fp>",{"name":916,"created_at":917,"published_at":918,"updated_at":919,"id":920,"uuid":171,"content":921,"slug":172,"full_slug":172,"sort_by_date":194,"position":1097,"tag_list":1098,"is_startpage":59,"parent_id":194,"meta_data":194,"group_id":1099,"first_published_at":1100,"release_id":194,"lang":200,"path":194,"alternates":1101,"default_full_slug":194,"translated_slugs":194},"Contact","2022-09-23T19:56:58.957Z","2025-05-08T18:24:40.382Z","2025-05-08T18:24:40.392Z",3138,{"seo":922,"_uid":925,"title":926,"action":927,"fields":928,"method":1073,"columns":1074,"subtitle":1088,"component":172,"button_text":1094,"submit_title":1095,"submit_subtitle":1096},{"_uid":923,"title":916,"plugin":924,"description":16},"24ff7574-3bcc-48d2-85b5-e529dfea1cc4","meta-fields","8f54f1da-9d8f-49b2-89e7-840e886491cb","We're here to help.","https:\u002F\u002Fusebasin.com\u002Ff\u002F029f48d65402",[929,934,938,1044,1047,1052,1067],{"_uid":930,"name":931,"type":326,"label":932,"options":16,"required":162,"component":933,"placeholder":16},"9a70b226-2036-4f90-a052-b3efa61c5896","name","Name","form___field",{"_uid":935,"name":936,"type":936,"label":937,"options":16,"required":162,"component":933,"placeholder":16},"86ba35be-ff43-4a28-8633-14052a8f6622","email","Email Address",{"_uid":939,"name":940,"type":941,"label":942,"options":943,"required":162,"component":933,"conditions":944,"placeholder":16},"3f827475-492c-4f97-aa1e-2386ac263b6c","topic","select","Topic","Presales, Support, Billing, Partnerships, Order Enquiry, Other",[945,998,1008,1015,1023,1031,1037],{"_uid":946,"equals":947,"fields":948,"component":997},"e21d97dd-e68e-4fa6-ba97-bc40f3041dde","Order Enquiry",[949],{"_uid":950,"body":951,"type":996,"title":16,"component":381},"b64992bc-6d53-48b8-b7a0-d81e5a062e50",{"type":317,"content":952},[953],{"type":321,"content":954},[955,957,964,966,968,969,973,975,979,987,989,994],{"text":956,"type":326},"We are ",{"text":958,"type":326,"marks":959},"Foxy.io",[960],{"type":374,"attrs":961},{"href":962,"uuid":194,"anchor":194,"custom":963,"target":194,"linktype":25},"http:\u002F\u002FFoxy.io",{},{"text":965,"type":326},", an ecommerce platform powering ecommerce for other merchants. We do not sell products, and are unable to assist with questions about order statuses or refunds for any merchants using our platform. Please contact the merchant you ordered from for assistance. If you’d like to report a store using Foxy for fraudulent practices, please select ‘other’ in the subject.",{"type":967},"hard_break",{"type":967},{"text":970,"type":326,"marks":971},"NOTE:",[972],{"type":347},{"text":974,"type":326}," We are ",{"text":976,"type":326,"marks":977},"not ",[978],{"type":553},{"text":980,"type":326,"marks":981},"Foxy.in",[982,986],{"type":374,"attrs":983},{"href":984,"uuid":194,"anchor":194,"custom":985,"target":194,"linktype":25},"http:\u002F\u002FFoxy.in",{},{"type":553},{"text":988,"type":326},". We are not in any way affiliated with ",{"text":980,"type":326,"marks":990},[991],{"type":374,"attrs":992},{"href":984,"uuid":194,"anchor":194,"custom":993,"target":194,"linktype":25},{},{"text":995,"type":326},", and cannot help in any way with your order from that website.","danger","form___condition",{"_uid":999,"equals":1000,"fields":1001,"component":997},"8765c3e1-25cf-44aa-b8ea-fc6094acf9c3","Presales",[1002],{"_uid":1003,"name":1004,"type":1005,"label":16,"options":16,"required":59,"component":933,"conditions":1006,"placeholder":16,"default_value":1007},"cf464f8e-d643-4f6e-af29-d3abffaf7380","department_email_address","hidden",[],"hello@foxy.io",{"_uid":1009,"equals":149,"fields":1010,"component":997},"4007b6d8-77e5-421d-bd1e-6f336dd853fb",[1011],{"_uid":1012,"name":1004,"type":1005,"label":16,"options":16,"required":59,"component":933,"conditions":1013,"placeholder":16,"default_value":1014},"7b4c6aa5-a68c-45e0-9ce1-0a36af10c0c2",[],"help@foxy.io",{"_uid":1016,"equals":1017,"fields":1018,"component":997},"1dbb8f11-613d-43cd-9e09-1b94f6e19219","Billing",[1019],{"_uid":1020,"name":1004,"type":1005,"label":16,"options":16,"required":59,"component":933,"conditions":1021,"placeholder":16,"default_value":1022},"a0ac0d1b-bc4f-4a6c-a682-581d450b0b73",[],"help+billing@foxy.io",{"_uid":1024,"equals":1025,"fields":1026,"component":997},"a0a53a50-7172-4a29-ba58-181e38874e12","Partnerships",[1027],{"_uid":1028,"name":1004,"type":1005,"label":16,"options":16,"required":59,"component":933,"conditions":1029,"placeholder":16,"default_value":1030},"7aa011d9-f374-4aed-b5a5-929b54aaf152",[],"partners@foxy.io",{"_uid":1032,"equals":947,"fields":1033,"component":997},"a4cd431f-25d5-41c7-bfdc-02c908c8fb47",[1034],{"_uid":1035,"name":1004,"type":1005,"label":16,"options":16,"required":59,"component":933,"conditions":1036,"placeholder":16,"default_value":1007},"f5d52168-d6ae-451b-94ee-2ced1cbd28ad",[],{"_uid":1038,"equals":1039,"fields":1040,"component":997},"25aba1ed-eb41-4bbc-aa89-f7a7167ea86e","Other",[1041],{"_uid":1042,"name":1004,"type":1005,"label":16,"options":16,"required":59,"component":933,"conditions":1043,"placeholder":16,"default_value":1007},"f40dfaef-c203-4b71-bf4e-e1b43cef192b",[],{"_uid":1045,"component":1046},"e9c53a05-f40a-4510-aaf8-bc072a235a0c","form___subject",{"_uid":1048,"name":1049,"type":1050,"label":1051,"options":16,"required":162,"component":933,"placeholder":16},"a4c4d385-fff4-4978-99fb-b68cfea623d6","message","textarea","Message",{"_uid":1053,"name":1054,"type":941,"label":1055,"options":1056,"required":162,"component":933,"conditions":1057,"placeholder":16},"8a3c9f85-f438-427d-9c7a-d7b295a14b5b","existing_user","Are you an existing user?","No, Yes",[1058],{"_uid":1059,"equals":1060,"fields":1061,"component":997},"115933d6-262a-4b59-8fa8-579c5ad73de1","Yes",[1062],{"_uid":1063,"name":1064,"type":326,"label":1065,"options":16,"required":162,"component":933,"conditions":1066,"placeholder":16},"44b6ff23-98f0-4e95-b7f5-c23e06415c2d","subdomain","Store Subdomain",[],{"_uid":1068,"name":1069,"type":941,"label":1070,"options":1071,"required":162,"component":933,"conditions":1072,"placeholder":16},"922a5cef-3af2-4113-8855-36c7910e3ee3","user_type","What type of user are you?","Developer, Designer, Merchant",[],"POST",[1075],{"_uid":1076,"text":1077,"title":1086,"component":1087},"7323b90d-a93a-4bf1-baa9-20d0b7ead61b",{"type":317,"content":1078},[1079],{"type":321,"content":1080},[1081,1083,1084],{"text":1082,"type":326},"855.369.9227",{"type":967},{"text":1085,"type":326},"9:30am-6pm Central M-F","Pre-sales, Sales, & Partnerships","contact___footer_column",{"type":317,"content":1089},[1090],{"type":321,"content":1091},[1092],{"text":1093,"type":326},"Get in touch to get help from our friendly support team.","Submit","Success!","Your email has been received. We'll get back to you as soon as we can, but it might take a business day. If you don't hear back from us in a timely manner, please check your spam folder to ensure our reply didn't go there.",-80,[],"2fd9fb7d-a48a-4184-acfd-30022d8d6f08","2022-09-23T20:10:45.360Z",[],[281,1103,1131],{"name":1104,"created_at":1105,"published_at":1106,"updated_at":1107,"id":1108,"uuid":1109,"content":1110,"slug":1124,"full_slug":1125,"sort_by_date":194,"position":1126,"tag_list":1127,"is_startpage":59,"parent_id":303,"meta_data":194,"group_id":1128,"first_published_at":1129,"release_id":194,"lang":200,"path":194,"alternates":1130,"default_full_slug":194,"translated_slugs":194},"Payments","2025-05-19T15:01:39.297Z","2025-10-15T00:38:24.356Z","2025-10-15T00:38:24.365Z",34027808,"7093e179-f73f-4533-a5ed-230e211e3724",{"_uid":1111,"icon":1112,"name":1104,"type":1113,"pinned":59,"summary":1114,"category":16,"component":290,"blog_posts":1115,"icon_custom":1116,"case_studies":1118,"faq_sections":1119,"featured_guides":1120,"mailbox_category":16,"featured_articles":1121,"featured_blog_posts":1122,"featured_case_studies":1123},"d71d645d-26db-4d04-950c-5be6f945b883","fa-cash-register","simple","Manage payment methods, settings, and other payment related options.",[],{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":1117},{},[],[],[],[],[],[],"payments","help\u002Fcategories\u002Fpayments",-100,[],"76057f91-3ad5-43ee-8674-7d3562faf5eb","2025-05-23T19:23:05.066Z",[],{"name":1132,"created_at":1133,"published_at":1134,"updated_at":1135,"id":1136,"uuid":1137,"content":1138,"slug":1143,"full_slug":1144,"sort_by_date":194,"position":1145,"tag_list":1146,"is_startpage":59,"parent_id":303,"meta_data":194,"group_id":1147,"first_published_at":1148,"release_id":194,"lang":200,"path":194,"alternates":1149,"default_full_slug":194,"translated_slugs":194},"Payment Methods","2023-02-08T18:30:30.817Z","2025-05-23T19:23:31.827Z","2025-05-23T19:23:31.839Z",33614,"ef18e20b-2ce2-4b8d-a761-2b928d9c62b2",{"_uid":1139,"icon":1140,"name":1132,"summary":1141,"category":1109,"component":1142},"932ca1a1-796c-47e0-acf8-352bf7132553","fa-credit-card","Easily connect to 100+ payment gateways and alternate payment methods.","help_payment_methods","payment-methods","help\u002Fcategories\u002Fpayment-methods",10,[],"24d41da1-50ea-4d24-b21d-eb1d0fa39d09","2023-02-08T18:37:13.850Z",[],{},1787183805612]