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Card processing being active does not mean eCheck is — it is a separate service and is underwritten separately.",{"type":321,"attrs":468,"content":469},{"textAlign":194},[470],{"text":471,"type":326},"If you are a brand new Vantiv customer, raise all three points during implementation with that team rather than afterwards. If you hit errors, your Vantiv contact is the person who can see and change these settings; Foxy cannot.",{"type":406,"attrs":473,"content":474},{"level":414,"textAlign":194},[475],{"text":476,"type":326},"2. Get your credentials",{"type":321,"attrs":478,"content":479},{"textAlign":194},[480],{"text":481,"type":326},"You need three values from Vantiv:",{"type":483,"content":484},"bullet_list",[485,498,509],{"type":429,"content":486},[487],{"type":321,"attrs":488,"content":489},{"textAlign":194},[490,492,496],{"text":491,"type":326},"your API ",{"text":493,"type":326,"marks":494},"User",[495],{"type":341},{"text":497,"type":326}," name",{"type":429,"content":499},[500],{"type":321,"attrs":501,"content":502},{"textAlign":194},[503,505],{"text":504,"type":326},"the matching ",{"text":506,"type":326,"marks":507},"Password",[508],{"type":341},{"type":429,"content":510},[511],{"type":321,"attrs":512,"content":513},{"textAlign":194},[514,516],{"text":515,"type":326},"your ",{"text":517,"type":326,"marks":518},"Merchant Id",[519],{"type":341},{"type":321,"attrs":521,"content":522},{"textAlign":194},[523,525,529,531,535,537,541],{"text":524,"type":326},"These are the same credentials used for the Vantiv card gateway — in Vantiv's API they are the ",{"text":526,"type":326,"marks":527},"user",[528],{"type":348},{"text":530,"type":326}," and ",{"text":532,"type":326,"marks":533},"password",[534],{"type":348},{"text":536,"type":326}," on the request and the ",{"text":538,"type":326,"marks":539},"merchantId",[540],{"type":348},{"text":542,"type":326}," on the batch. If you already have Vantiv card processing connected to Foxy, they are the same three values you entered there.",{"type":406,"attrs":544,"content":545},{"level":414,"textAlign":194},[546],{"text":547,"type":326},"3. Add the payment method in Foxy",{"type":424,"attrs":549,"content":550},{"order":426},[551,571,583,600,633],{"type":429,"content":552},[553],{"type":321,"attrs":554,"content":555},{"textAlign":194},[556,558,564,566,570],{"text":557,"type":326},"Go to the ",{"text":559,"type":326,"marks":560},"Foxy admin",[561],{"type":397,"attrs":562},{"href":563,"uuid":194,"anchor":194,"target":400,"linktype":25},"https:\u002F\u002Fadmin.foxy.io",{"text":565,"type":326}," and open ",{"text":567,"type":326,"marks":568},"Settings > Payments",[569],{"type":341},{"text":378,"type":326},{"type":429,"content":572},[573],{"type":321,"attrs":574,"content":575},{"textAlign":194},[576,578,582],{"text":577,"type":326},"Open or create a payment method set. If you only have one, it will be the ",{"text":579,"type":326,"marks":580},"Default Payment Method Set",[581],{"type":341},{"text":378,"type":326},{"type":429,"content":584},[585],{"type":321,"attrs":586,"content":587},{"textAlign":194},[588,590,594,596,599],{"text":589,"type":326},"Click ",{"text":591,"type":326,"marks":592},"Add payment method +",[593],{"type":341},{"text":595,"type":326}," and choose ",{"text":308,"type":326,"marks":597},[598],{"type":341},{"text":378,"type":326},{"type":429,"content":601},[602],{"type":321,"attrs":603,"content":604},{"textAlign":194},[605,607,611,613,616,618,621,622,625,627,631],{"text":606,"type":326},"Under ",{"text":608,"type":326,"marks":609},"Live setup",[610],{"type":341},{"text":612,"type":326},", enter your ",{"text":493,"type":326,"marks":614},[615],{"type":341},{"text":617,"type":326},", ",{"text":506,"type":326,"marks":619},[620],{"type":341},{"text":530,"type":326},{"text":517,"type":326,"marks":623},[624],{"type":341},{"text":626,"type":326},". This setup only takes effect once ",{"text":628,"type":326,"marks":629},"Use live credentials",[630],{"type":341},{"text":632,"type":326}," is turned on for the payment method set.",{"type":429,"content":634},[635],{"type":321,"attrs":636,"content":637},{"textAlign":194},[638,639,643,645,649],{"text":589,"type":326},{"text":640,"type":326,"marks":641},"Create",[642],{"type":341},{"text":644,"type":326}," — or ",{"text":646,"type":326,"marks":647},"Save",[648],{"type":341},{"text":650,"type":326},", if you are editing an existing entry.",{"type":321,"attrs":652,"content":653},{"textAlign":194},[654],{"text":655,"type":326},"Vantiv ACH is added alongside your card payment method, not instead of it. A payment method set can hold both Vantiv and Vantiv ACH, and customers pick between card and bank account at checkout.",{"type":321,"attrs":657,"content":658},{"textAlign":194},[659,661,664,666,670,672,676],{"text":660,"type":326},"The panel is split into a ",{"text":608,"type":326,"marks":662},[663],{"type":341},{"text":665,"type":326}," block and a ",{"text":667,"type":326,"marks":668},"Test setup",[669],{"type":341},{"text":671,"type":326}," block carrying the same three fields. (The Live heading reads \"Live setup (inactive)\" while the set has ",{"text":628,"type":326,"marks":673},[674],{"type":675},"italic",{"text":677,"type":326}," switched off — that is the current state of the set, not a different set of fields.)",{"type":406,"attrs":679,"content":680},{"level":408,"textAlign":194},[681],{"text":682,"type":326},"What the customer fills in at checkout",{"type":321,"attrs":684,"content":685},{"textAlign":194},[686],{"text":687,"type":326},"Vantiv ACH collects the least of any ACH gateway on Foxy. Just two values, plus a checkbox:",{"type":483,"content":689},[690,701,712],{"type":429,"content":691},[692],{"type":321,"attrs":693,"content":694},{"textAlign":194},[695,699],{"text":696,"type":326,"marks":697},"Routing number",[698],{"type":341},{"text":700,"type":326}," — Notes: The nine-digit ABA routing number of the customer's bank.",{"type":429,"content":702},[703],{"type":321,"attrs":704,"content":705},{"textAlign":194},[706,710],{"text":707,"type":326,"marks":708},"Account number",[709],{"type":341},{"text":711,"type":326}," — Notes: The bank account number.",{"type":429,"content":713},[714],{"type":321,"attrs":715,"content":716},{"textAlign":194},[717,721],{"text":718,"type":326,"marks":719},"Account-ownership checkbox",[720],{"type":341},{"text":722,"type":326}," — Notes: See below.",{"type":321,"attrs":724,"content":725},{"textAlign":194},[726,728,732],{"text":727,"type":326},"Two things this gateway does ",{"text":729,"type":326,"marks":730},"not",[731],{"type":341},{"text":733,"type":326}," collect, which the others do:",{"type":483,"content":735},[736,747],{"type":429,"content":737},[738],{"type":321,"attrs":739,"content":740},{"textAlign":194},[741,745],{"text":742,"type":326,"marks":743},"No name on account.",[744],{"type":341},{"text":746,"type":326}," Unlike every other ACH gateway on Foxy, Vantiv ACH does not ask for the name on the bank account. The billing name from the checkout is what Vantiv receives.",{"type":429,"content":748},[749],{"type":321,"attrs":750,"content":751},{"textAlign":194},[752,756,758,762],{"text":753,"type":326,"marks":754},"No account type — and no savings-account support.",[755],{"type":341},{"text":757,"type":326}," There is no checking\u002Fsavings selector, and Foxy submits every Vantiv ACH transaction to Vantiv as a ",{"text":759,"type":326,"marks":760},"checking",[761],{"type":341},{"text":763,"type":326}," account. If your customer pays from a savings account, it will still be submitted as checking. There is no setting that changes this. If savings-account support matters to you, Vantiv ACH is the wrong gateway; ACH.com is the only one on Foxy that supports it.",{"type":321,"attrs":765,"content":766},{"textAlign":194},[767,769,773,775,779],{"text":768,"type":326},"The checkout also shows a checkbox the customer has to tick, reading ",{"text":770,"type":326,"marks":771},"\"I represent that I am the owner and\u002For authorized signer on the checking account above\"",[772],{"type":675},{"text":774,"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":394,"type":326,"marks":776},[777],{"type":397,"attrs":778},{"href":399,"uuid":194,"anchor":194,"target":400,"linktype":25},{"text":780,"type":326}," for more.",{"type":406,"attrs":782,"content":783},{"level":408,"textAlign":194},[784],{"text":785,"type":326},"Testing",{"type":321,"attrs":787,"content":788},{"textAlign":194},[789],{"text":790,"type":326},"Foxy provides shared test credentials for Vantiv ACH, so you can run test transactions without setting up your own sandbox account. Leave the Test setup fields as they are.",{"type":321,"attrs":792,"content":793},{"textAlign":194},[794,796,800,802,805,807,811],{"text":795,"type":326},"Those shared credentials exercise the integration only. If you need to test against your ",{"text":797,"type":326,"marks":798},"own",[799],{"type":675},{"text":801,"type":326}," account configuration — your own account configuration, your own eCheck setup — get test credentials from Vantiv and enter them in the ",{"text":667,"type":326,"marks":803},[804],{"type":341},{"text":806,"type":326}," block. Vantiv's support line for account and testing questions is ",{"text":808,"type":326,"marks":809},"1-800-548-5326, option 3",[810],{"type":341},{"text":378,"type":326},{"type":321,"attrs":813,"content":814},{"textAlign":194},[815],{"text":816,"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.",{"type":321,"attrs":818,"content":819},{"textAlign":194},[820],{"text":821,"type":326},"There are no test card numbers for this gateway — it does not touch cards at all. Any Vantiv test card numbers you have been given are for card transactions and will not work here.",{"type":406,"attrs":823,"content":824},{"level":408,"textAlign":194},[825],{"text":826,"type":326},"Advanced features",{"type":483,"content":828},[829,840,851,862],{"type":429,"content":830},[831],{"type":321,"attrs":832,"content":833},{"textAlign":194},[834,838],{"text":835,"type":326,"marks":836},"No 3-D Secure, no client-side JavaScript.",[837],{"type":341},{"text":839,"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":429,"content":841},[842],{"type":321,"attrs":843,"content":844},{"textAlign":194},[845,849],{"text":846,"type":326,"marks":847},"No card verification, no AVS, no CSC.",[848],{"type":341},{"text":850,"type":326}," There is no card, so none of these apply.",{"type":429,"content":852},[853],{"type":321,"attrs":854,"content":855},{"textAlign":194},[856,860],{"text":857,"type":326,"marks":858},"USD only.",[859],{"type":341},{"text":861,"type":326}," The gateway does not support multi-currency.",{"type":429,"content":863},[864],{"type":321,"attrs":865,"content":866},{"textAlign":194},[867,871],{"text":868,"type":326,"marks":869},"The \"Authorize only (no capture)\" toggle does nothing here.",[870],{"type":341},{"text":872,"type":326}," The setting is present on this payment method, and it looks and behaves like the same control on a card gateway, but turning it on has no effect: Vantiv ACH always submits an immediate debit. If you are relying on it to authorize now and capture later, it will not do that — see the note below.",{"type":406,"attrs":874,"content":875},{"level":408,"textAlign":194},[876],{"text":877,"type":326},"Important notes and caveats",{"type":483,"content":879},[880,891,933,944,955,966],{"type":429,"content":881},[882],{"type":321,"attrs":883,"content":884},{"textAlign":194},[885,889],{"text":886,"type":326,"marks":887},"The \"Authorize only (no capture)\" toggle is inert.",[888],{"type":341},{"text":890,"type":326}," Turning it on does not change how Vantiv ACH behaves — every transaction is submitted as an immediate debit either way. If you need an authorize-then-capture flow on ACH, Authorize.net ACH is the one gateway on Foxy where that toggle actually works.",{"type":429,"content":892},[893],{"type":321,"attrs":894,"content":895},{"textAlign":194},[896,900,904,908,910,914,916,920,922,925,927,931],{"text":897,"type":326,"marks":898},"Transactions stay ",[899],{"type":341},{"text":373,"type":326,"marks":901},[902,903],{"type":348},{"type":341},{"text":905,"type":326,"marks":906}," forever.",[907],{"type":341},{"text":909,"type":326}," Covered above and in ",{"text":394,"type":326,"marks":911},[912],{"type":397,"attrs":913},{"href":399,"uuid":194,"anchor":194,"target":400,"linktype":25},{"text":915,"type":326},". If you have a datafeed, the ",{"text":917,"type":326,"marks":918},"status",[919],{"type":348},{"text":921,"type":326}," node on an ACH transaction will read ",{"text":373,"type":326,"marks":923},[924],{"type":348},{"text":926,"type":326}," and no further datafeed will arrive to change it. Do not write fulfilment logic that waits for ",{"text":928,"type":326,"marks":929},"approved",[930],{"type":348},{"text":932,"type":326}," on an ACH order.",{"type":429,"content":934},[935],{"type":321,"attrs":936,"content":937},{"textAlign":194},[938,942],{"text":939,"type":326,"marks":940},"ACH is slow and reversible.",[941],{"type":341},{"text":943,"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":429,"content":945},[946],{"type":321,"attrs":947,"content":948},{"textAlign":194},[949,953],{"text":950,"type":326,"marks":951},"Account configuration and API version are the two things that break Vantiv setups.",[952],{"type":341},{"text":954,"type":326}," Confirm both with your Vantiv contact before you go looking for anything else.",{"type":429,"content":956},[957],{"type":321,"attrs":958,"content":959},{"textAlign":194},[960,964],{"text":961,"type":326,"marks":962},"Savings accounts are submitted as checking.",[963],{"type":341},{"text":965,"type":326}," Covered above. Worth deciding whether that is acceptable for your customers before you go live.",{"type":429,"content":967},[968],{"type":321,"attrs":969,"content":970},{"textAlign":194},[971,975],{"text":972,"type":326,"marks":973},"You cannot refund or void a Vantiv ACH transaction through Foxy.",[974],{"type":341},{"text":976,"type":326}," Refunds and voids are not implemented for this gateway: an attempt fails inside Foxy and returns a message to the effect that the gateway is not configured for that action. Nothing is sent to Vantiv. Returning money to a customer who paid by ACH happens in your Vantiv\u002FWorldpay tooling or through your bank, and you record it in your own systems. Plan for this before your first live ACH order.",{"type":406,"attrs":978,"content":979},{"level":408,"textAlign":194},[980],{"text":981,"type":326},"Troubleshooting",{"type":321,"attrs":983,"content":984},{"textAlign":194},[985,989],{"text":986,"type":326,"marks":987},"\"System Error - Call Vantiv\" on live transactions.",[988],{"type":341},{"text":990,"type":326}," This is the classic Vantiv setup error and it almost always means an account-configuration problem on Vantiv's side: either your account is not configured to accept transactions submitted by Foxy, or it is not set up for the API version Foxy uses. Contact Vantiv support to confirm both.",{"type":321,"attrs":992,"content":993},{"textAlign":194},[994,998],{"text":995,"type":326,"marks":996},"Every ACH transaction fails while card transactions work.",[997],{"type":341},{"text":999,"type":326}," Check that eCheck is actually enabled on your Vantiv account. Working card credentials do not imply eCheck is switched on.",{"type":321,"attrs":1001,"content":1002},{"textAlign":194},[1003,1007,1009,1012,1014,1017,1019,1022],{"text":1004,"type":326,"marks":1005},"Credentials rejected.",[1006],{"type":341},{"text":1008,"type":326}," Confirm the User, Password and Merchant Id are in the section matching the mode you are running in — ",{"text":608,"type":326,"marks":1010},[1011],{"type":341},{"text":1013,"type":326}," if the payment method set has ",{"text":628,"type":326,"marks":1015},[1016],{"type":675},{"text":1018,"type":326}," on, ",{"text":667,"type":326,"marks":1020},[1021],{"type":341},{"text":1023,"type":326}," if it does not.",{"type":321,"attrs":1025,"content":1026},{"textAlign":194},[1027,1031],{"text":1028,"type":326,"marks":1029},"A transaction shows as pending days later.",[1030],{"type":341},{"text":1032,"type":326}," That is expected and permanent. See above.",{"type":321,"attrs":1034,"content":1035},{"textAlign":194},[1036,1040],{"text":1037,"type":326,"marks":1038},"\"This gateway is not configured for this action\" when refunding.",[1039],{"type":341},{"text":1041,"type":326}," Expected. Foxy has no refund or void path for Vantiv ACH. Handle it at Vantiv instead.",{"type":321,"attrs":1043,"content":1044},{"textAlign":194},[1045,1049],{"text":1046,"type":326,"marks":1047},"\"I turned on 'Authorize only (no capture)' but the debit still happened immediately.\"",[1048],{"type":341},{"text":1050,"type":326}," Expected. The toggle has no effect on Vantiv ACH — every transaction is an immediate debit regardless of the setting. Authorize.net ACH is the only ACH gateway on Foxy where this toggle actually changes behavior.",{"type":321,"attrs":1052,"content":1053},{"textAlign":194},[1054,1058,1060,1063],{"text":1055,"type":326,"marks":1056},"Anything about a specific transaction's fate",[1057],{"type":341},{"text":1059,"type":326}," — settled, returned, held — has to come from Vantiv or your bank. Foxy does not have that information. Vantiv support: ",{"text":808,"type":326,"marks":1061},[1062],{"type":341},{"text":378,"type":326},[],"Vantiv, now part of Worldpay, is a payment processor. Vantiv ACH is its eCheck service for taking payment directly from a customer's US bank account, sharing its account and credentials with Foxy's Vantiv card gateway.",{"type":317,"content":1067},[1068],{"type":321},"Connect Foxy to Vantiv ACH for secure payments.","https:\u002F\u002Fwww.worldpay.com\u002F","payment_method",[1073],"efb0ca20-6094-4042-a27b-1f3187cc2176",[],[],[],[1078],"US","vantiv-ach","payment-methods\u002Fmethods\u002Fvantiv-ach",-1440,[],3352,"a4f36a01-ea3c-41bf-bc51-4c4cd2e5d859",[],{"html":1087,"sections":1088,"segments":1109},"\u003Cp>Vantiv ACH takes payment directly from a customer's US bank account over the ACH network, using Vantiv's eCheck service. It is the ACH counterpart to Foxy's Vantiv card gateway and shares the same account, the same credentials and the same setup prerequisites.\u003C\u002Fp>\u003Cp>Supported country: United States.\u003C\u002Fp>\u003Cp>Vantiv is now part of \u003Cstrong>Worldpay\u003C\u002Fstrong>, and the platform Foxy integrates with is the card-not-present XML API previously sold as Litle & Co and then Vantiv. Specifically, Foxy submits \u003Ccode class=\"badge bg-soft-danger text-danger\">echeckSale\u003C\u002Fcode> requests against \u003Cstrong>version 9.13\u003C\u002Fstrong> of that API. If your account documentation refers to cnpAPI or to a Customer Experience Manager (CEM), you are on the right platform. Vantiv's technical documentation now lives under Worldpay's support site.\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> Vantiv does not send Foxy any notification when an eCheck 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 Vantiv\u002FWorldpay reporting 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-vantiv-ach\" data-title=\"Setting up Vantiv ACH\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"setting-up-vantiv-ach\">Setting up Vantiv ACH\u003C\u002Fh2>\u003C\u002Fsection>\u003Csection id=\"1-have-vantiv-configure-your-account\" data-title=\"1. Have Vantiv configure your account\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"1-have-vantiv-configure-your-account\">1. Have Vantiv configure your account\u003C\u002Fh3>\u003Cp>Vantiv will not accept transactions from Foxy until your account is configured to permit it, and eCheck has to be switched on separately from card processing.\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>Contact your CEM at Vantiv and ask them to configure your account so that \u003Cstrong>Foxy is permitted to submit transactions on your behalf\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>Ask them to confirm your account accepts \u003Cstrong>cnpAPI version 9.13\u003C\u002Fstrong>, which is the version Foxy submits against.\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>Confirm that \u003Cstrong>eCheck is enabled\u003C\u002Fstrong> on your account. Card processing being active does not mean eCheck is — it is a separate service and is underwritten separately.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>If you are a brand new Vantiv customer, raise all three points during implementation with that team rather than afterwards. If you hit errors, your Vantiv contact is the person who can see and change these settings; Foxy cannot.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"2-get-your-credentials\" data-title=\"2. Get your credentials\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"2-get-your-credentials\">2. Get your credentials\u003C\u002Fh3>\u003Cp>You need three values from Vantiv:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>your API \u003Cstrong>User\u003C\u002Fstrong> name\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>the matching \u003Cstrong>Password\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>your \u003Cstrong>Merchant Id\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>These are the same credentials used for the Vantiv card gateway — in Vantiv's API they are the \u003Ccode class=\"badge bg-soft-danger text-danger\">user\u003C\u002Fcode> and \u003Ccode class=\"badge bg-soft-danger text-danger\">password\u003C\u002Fcode> on the request and the \u003Ccode class=\"badge bg-soft-danger text-danger\">merchantId\u003C\u002Fcode> on the batch. If you already have Vantiv card processing connected to Foxy, they are the same three values you entered there.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"3-add-the-payment-method-in-foxy\" data-title=\"3. Add the payment method in Foxy\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"3-add-the-payment-method-in-foxy\">3. Add the payment method in Foxy\u003C\u002Fh3>\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>Vantiv ACH\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>User\u003C\u002Fstrong>, \u003Cstrong>Password\u003C\u002Fstrong> and \u003Cstrong>Merchant Id\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>Vantiv ACH is added alongside your card payment method, not instead of it. A payment method set can hold both Vantiv and Vantiv ACH, and customers pick between card and bank account at checkout.\u003C\u002Fp>\u003Cp>The panel is split into a \u003Cstrong>Live setup\u003C\u002Fstrong> block and a \u003Cstrong>Test setup\u003C\u002Fstrong> block carrying the same three 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>Vantiv ACH collects the least of any ACH gateway on Foxy. Just two values, plus a checkbox:\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>Account-ownership checkbox\u003C\u002Fstrong> — Notes: See below.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Two things this gateway does \u003Cstrong>not\u003C\u002Fstrong> collect, which the others do:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>No name on account.\u003C\u002Fstrong> Unlike every other ACH gateway on Foxy, Vantiv ACH does not ask for the name on the bank account. The billing name from the checkout is what Vantiv receives.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>No account type — and no savings-account support.\u003C\u002Fstrong> There is no checking\u002Fsavings selector, and Foxy submits every Vantiv ACH transaction to Vantiv as a \u003Cstrong>checking\u003C\u002Fstrong> account. If your customer pays from a savings account, it will still be submitted as checking. There is no setting that changes this. If savings-account support matters to you, Vantiv ACH is the wrong gateway; ACH.com is the only one on Foxy that supports it.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\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 provides shared test credentials for Vantiv ACH, so you can run test transactions without setting up your own sandbox account. Leave the Test setup fields as they are.\u003C\u002Fp>\u003Cp>Those shared credentials exercise the integration only. If you need to test against your \u003Cem>own\u003C\u002Fem> account configuration — your own account configuration, your own eCheck setup — get test credentials from Vantiv and enter them in the \u003Cstrong>Test setup\u003C\u002Fstrong> block. Vantiv's support line for account and testing questions is \u003Cstrong>1-800-548-5326, option 3\u003C\u002Fstrong>.\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.\u003C\u002Fp>\u003Cp>There are no test card numbers for this gateway — it does not touch cards at all. Any Vantiv test card numbers you have been given are for card transactions and will not work here.\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>USD only.\u003C\u002Fstrong> The gateway does not support multi-currency.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>The "Authorize only (no capture)" toggle does nothing here.\u003C\u002Fstrong> The setting is present on this payment method, and it looks and behaves like the same control on a card gateway, but turning it on has no effect: Vantiv ACH always submits an immediate debit. If you are relying on it to authorize now and capture later, it will not do that — see the note below.\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>The "Authorize only (no capture)" toggle is inert.\u003C\u002Fstrong> Turning it on does not change how Vantiv ACH behaves — every transaction is submitted as an immediate debit either way. If you need an authorize-then-capture flow on ACH, Authorize.net ACH is the one gateway on Foxy where that toggle actually works.\u003C\u002Fp>\u003C\u002Fli>\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>Account configuration and API version are the two things that break Vantiv setups.\u003C\u002Fstrong> Confirm both with your Vantiv contact before you go looking for anything else.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Savings accounts are submitted as checking.\u003C\u002Fstrong> Covered above. Worth deciding whether that is acceptable for your customers before you go live.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>You cannot refund or void a Vantiv ACH transaction through Foxy.\u003C\u002Fstrong> Refunds and voids are not implemented for this gateway: an attempt fails inside Foxy and returns a message to the effect that the gateway is not configured for that action. Nothing is sent to Vantiv. Returning money to a customer who paid by ACH happens in your Vantiv\u002FWorldpay tooling or through your bank, and you record it in your own systems. Plan for this before your first live ACH order.\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>"System Error - Call Vantiv" on live transactions.\u003C\u002Fstrong> This is the classic Vantiv setup error and it almost always means an account-configuration problem on Vantiv's side: either your account is not configured to accept transactions submitted by Foxy, or it is not set up for the API version Foxy uses. Contact Vantiv support to confirm both.\u003C\u002Fp>\u003Cp>\u003Cstrong>Every ACH transaction fails while card transactions work.\u003C\u002Fstrong> Check that eCheck is actually enabled on your Vantiv account. Working card credentials do not imply eCheck is switched on.\u003C\u002Fp>\u003Cp>\u003Cstrong>Credentials rejected.\u003C\u002Fstrong> Confirm the User, Password and Merchant Id are in the section matching 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>"This gateway is not configured for this action" when refunding.\u003C\u002Fstrong> Expected. Foxy has no refund or void path for Vantiv ACH. Handle it at Vantiv instead.\u003C\u002Fp>\u003Cp>\u003Cstrong>"I turned on 'Authorize only (no capture)' but the debit still happened immediately."\u003C\u002Fstrong> Expected. The toggle has no effect on Vantiv ACH — every transaction is an immediate debit regardless of the setting. Authorize.net ACH is the only ACH gateway on Foxy where this toggle actually changes behavior.\u003C\u002Fp>\u003Cp>\u003Cstrong>Anything about a specific transaction's fate\u003C\u002Fstrong> — settled, returned, held — has to come from Vantiv or your bank. Foxy does not have that information. Vantiv support: \u003Cstrong>1-800-548-5326, option 3\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fsection>",[1089,1092,1095,1097,1099,1101,1103,1105,1107],{"id":1090,"title":411,"level":1091},"setting-up-vantiv-ach","H2",{"id":1093,"title":417,"level":1094},"1-have-vantiv-configure-your-account","H3",{"id":1096,"title":476,"level":1094},"2-get-your-credentials",{"id":1098,"title":547,"level":1094},"3-add-the-payment-method-in-foxy",{"id":1100,"title":682,"level":1091},"what-the-customer-fills-in-at-checkout",{"id":1102,"title":785,"level":1091},"testing",{"id":1104,"title":826,"level":1091},"advanced-features",{"id":1106,"title":877,"level":1091},"important-notes-and-caveats",{"id":1108,"title":981,"level":1091},"troubleshooting",[1110,1113,1114],{"type":1111,"content":1112},"html","\u003Cp>Vantiv ACH takes payment directly from a customer's US bank account over the ACH network, using Vantiv's eCheck service. It is the ACH counterpart to Foxy's Vantiv card gateway and shares the same account, the same credentials and the same setup prerequisites.\u003C\u002Fp>\u003Cp>Supported country: United States.\u003C\u002Fp>\u003Cp>Vantiv is now part of \u003Cstrong>Worldpay\u003C\u002Fstrong>, and the platform Foxy integrates with is the card-not-present XML API previously sold as Litle & Co and then Vantiv. Specifically, Foxy submits \u003Ccode class=\"badge bg-soft-danger text-danger\">echeckSale\u003C\u002Fcode> requests against \u003Cstrong>version 9.13\u003C\u002Fstrong> of that API. If your account documentation refers to cnpAPI or to a Customer Experience Manager (CEM), you are on the right platform. Vantiv's technical documentation now lives under Worldpay's support site.\u003C\u002Fp>",{"type":358,"blok":362},{"type":1111,"content":1115},"\u003Ch2>Setting up Vantiv ACH\u003C\u002Fh2>\u003Ch3>1. Have Vantiv configure your account\u003C\u002Fh3>\u003Cp>Vantiv will not accept transactions from Foxy until your account is configured to permit it, and eCheck has to be switched on separately from card processing.\u003C\u002Fp>\u003Col order=\"1\">\u003Cli>\u003Cp>Contact your CEM at Vantiv and ask them to configure your account so that \u003Cstrong>Foxy is permitted to submit transactions on your behalf\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Ask them to confirm your account accepts \u003Cstrong>cnpAPI version 9.13\u003C\u002Fstrong>, which is the version Foxy submits against.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Confirm that \u003Cstrong>eCheck is enabled\u003C\u002Fstrong> on your account. Card processing being active does not mean eCheck is — it is a separate service and is underwritten separately.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>If you are a brand new Vantiv customer, raise all three points during implementation with that team rather than afterwards. If you hit errors, your Vantiv contact is the person who can see and change these settings; Foxy cannot.\u003C\u002Fp>\u003Ch3>2. Get your credentials\u003C\u002Fh3>\u003Cp>You need three values from Vantiv:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>your API \u003Cstrong>User\u003C\u002Fstrong> name\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>the matching \u003Cstrong>Password\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>your \u003Cstrong>Merchant Id\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>These are the same credentials used for the Vantiv card gateway — in Vantiv's API they are the \u003Ccode class=\"badge bg-soft-danger text-danger\">user\u003C\u002Fcode> and \u003Ccode class=\"badge bg-soft-danger text-danger\">password\u003C\u002Fcode> on the request and the \u003Ccode class=\"badge bg-soft-danger text-danger\">merchantId\u003C\u002Fcode> on the batch. If you already have Vantiv card processing connected to Foxy, they are the same three values you entered there.\u003C\u002Fp>\u003Ch3>3. Add the payment method in Foxy\u003C\u002Fh3>\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>Vantiv ACH\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Under \u003Cstrong>Live setup\u003C\u002Fstrong>, enter your \u003Cstrong>User\u003C\u002Fstrong>, \u003Cstrong>Password\u003C\u002Fstrong> and \u003Cstrong>Merchant Id\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>Vantiv ACH is added alongside your card payment method, not instead of it. A payment method set can hold both Vantiv and Vantiv ACH, and customers pick between card and bank account at checkout.\u003C\u002Fp>\u003Cp>The panel is split into a \u003Cstrong>Live setup\u003C\u002Fstrong> block and a \u003Cstrong>Test setup\u003C\u002Fstrong> block carrying the same three 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>Vantiv ACH collects the least of any ACH gateway on Foxy. Just two values, plus a checkbox:\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>Account-ownership checkbox\u003C\u002Fstrong> — Notes: See below.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Two things this gateway does \u003Cstrong>not\u003C\u002Fstrong> collect, which the others do:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>No name on account.\u003C\u002Fstrong> Unlike every other ACH gateway on Foxy, Vantiv ACH does not ask for the name on the bank account. The billing name from the checkout is what Vantiv receives.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>No account type — and no savings-account support.\u003C\u002Fstrong> There is no checking\u002Fsavings selector, and Foxy submits every Vantiv ACH transaction to Vantiv as a \u003Cstrong>checking\u003C\u002Fstrong> account. If your customer pays from a savings account, it will still be submitted as checking. There is no setting that changes this. If savings-account support matters to you, Vantiv ACH is the wrong gateway; ACH.com is the only one on Foxy that supports it.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\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 provides shared test credentials for Vantiv ACH, so you can run test transactions without setting up your own sandbox account. Leave the Test setup fields as they are.\u003C\u002Fp>\u003Cp>Those shared credentials exercise the integration only. If you need to test against your \u003Cem>own\u003C\u002Fem> account configuration — your own account configuration, your own eCheck setup — get test credentials from Vantiv and enter them in the \u003Cstrong>Test setup\u003C\u002Fstrong> block. Vantiv's support line for account and testing questions is \u003Cstrong>1-800-548-5326, option 3\u003C\u002Fstrong>.\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.\u003C\u002Fp>\u003Cp>There are no test card numbers for this gateway — it does not touch cards at all. Any Vantiv test card numbers you have been given are for card transactions and will not work here.\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>USD only.\u003C\u002Fstrong> The gateway does not support multi-currency.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>The "Authorize only (no capture)" toggle does nothing here.\u003C\u002Fstrong> The setting is present on this payment method, and it looks and behaves like the same control on a card gateway, but turning it on has no effect: Vantiv ACH always submits an immediate debit. If you are relying on it to authorize now and capture later, it will not do that — see the note below.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Important notes and caveats\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>The "Authorize only (no capture)" toggle is inert.\u003C\u002Fstrong> Turning it on does not change how Vantiv ACH behaves — every transaction is submitted as an immediate debit either way. If you need an authorize-then-capture flow on ACH, Authorize.net ACH is the one gateway on Foxy where that toggle actually works.\u003C\u002Fp>\u003C\u002Fli>\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>Account configuration and API version are the two things that break Vantiv setups.\u003C\u002Fstrong> Confirm both with your Vantiv contact before you go looking for anything else.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Savings accounts are submitted as checking.\u003C\u002Fstrong> Covered above. Worth deciding whether that is acceptable for your customers before you go live.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>You cannot refund or void a Vantiv ACH transaction through Foxy.\u003C\u002Fstrong> Refunds and voids are not implemented for this gateway: an attempt fails inside Foxy and returns a message to the effect that the gateway is not configured for that action. Nothing is sent to Vantiv. Returning money to a customer who paid by ACH happens in your Vantiv\u002FWorldpay tooling or through your bank, and you record it in your own systems. Plan for this before your first live ACH order.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Troubleshooting\u003C\u002Fh2>\u003Cp>\u003Cstrong>"System Error - Call Vantiv" on live transactions.\u003C\u002Fstrong> This is the classic Vantiv setup error and it almost always means an account-configuration problem on Vantiv's side: either your account is not configured to accept transactions submitted by Foxy, or it is not set up for the API version Foxy uses. Contact Vantiv support to confirm both.\u003C\u002Fp>\u003Cp>\u003Cstrong>Every ACH transaction fails while card transactions work.\u003C\u002Fstrong> Check that eCheck is actually enabled on your Vantiv account. Working card credentials do not imply eCheck is switched on.\u003C\u002Fp>\u003Cp>\u003Cstrong>Credentials rejected.\u003C\u002Fstrong> Confirm the User, Password and Merchant Id are in the section matching 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>"This gateway is not configured for this action" when refunding.\u003C\u002Fstrong> Expected. Foxy has no refund or void path for Vantiv ACH. Handle it at Vantiv instead.\u003C\u002Fp>\u003Cp>\u003Cstrong>"I turned on 'Authorize only (no capture)' but the debit still happened immediately."\u003C\u002Fstrong> Expected. The toggle has no effect on Vantiv ACH — every transaction is an immediate debit regardless of the setting. Authorize.net ACH is the only ACH gateway on Foxy where this toggle actually changes behavior.\u003C\u002Fp>\u003Cp>\u003Cstrong>Anything about a specific transaction's fate\u003C\u002Fstrong> — settled, returned, held — has to come from Vantiv or your bank. Foxy does not have that information. Vantiv support: \u003Cstrong>1-800-548-5326, option 3\u003C\u002Fstrong>.\u003C\u002Fp>",{"name":1117,"created_at":1118,"published_at":1119,"updated_at":1120,"id":1121,"uuid":171,"content":1122,"slug":172,"full_slug":172,"sort_by_date":194,"position":1298,"tag_list":1299,"is_startpage":59,"parent_id":194,"meta_data":194,"group_id":1300,"first_published_at":1301,"release_id":194,"lang":200,"path":194,"alternates":1302,"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":1123,"_uid":1126,"title":1127,"action":1128,"fields":1129,"method":1274,"columns":1275,"subtitle":1289,"component":172,"button_text":1295,"submit_title":1296,"submit_subtitle":1297},{"_uid":1124,"title":1117,"plugin":1125,"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",[1130,1135,1139,1245,1248,1253,1268],{"_uid":1131,"name":1132,"type":326,"label":1133,"options":16,"required":162,"component":1134,"placeholder":16},"9a70b226-2036-4f90-a052-b3efa61c5896","name","Name","form___field",{"_uid":1136,"name":1137,"type":1137,"label":1138,"options":16,"required":162,"component":1134,"placeholder":16},"86ba35be-ff43-4a28-8633-14052a8f6622","email","Email Address",{"_uid":1140,"name":1141,"type":1142,"label":1143,"options":1144,"required":162,"component":1134,"conditions":1145,"placeholder":16},"3f827475-492c-4f97-aa1e-2386ac263b6c","topic","select","Topic","Presales, Support, Billing, Partnerships, Order Enquiry, Other",[1146,1199,1209,1216,1224,1232,1238],{"_uid":1147,"equals":1148,"fields":1149,"component":1198},"e21d97dd-e68e-4fa6-ba97-bc40f3041dde","Order Enquiry",[1150],{"_uid":1151,"body":1152,"type":1197,"title":16,"component":404},"b64992bc-6d53-48b8-b7a0-d81e5a062e50",{"type":317,"content":1153},[1154],{"type":321,"content":1155},[1156,1158,1165,1167,1169,1170,1174,1176,1180,1188,1190,1195],{"text":1157,"type":326},"We are ",{"text":1159,"type":326,"marks":1160},"Foxy.io",[1161],{"type":397,"attrs":1162},{"href":1163,"uuid":194,"anchor":194,"custom":1164,"target":194,"linktype":25},"http:\u002F\u002FFoxy.io",{},{"text":1166,"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":1168},"hard_break",{"type":1168},{"text":1171,"type":326,"marks":1172},"NOTE:",[1173],{"type":341},{"text":1175,"type":326}," We are ",{"text":1177,"type":326,"marks":1178},"not ",[1179],{"type":675},{"text":1181,"type":326,"marks":1182},"Foxy.in",[1183,1187],{"type":397,"attrs":1184},{"href":1185,"uuid":194,"anchor":194,"custom":1186,"target":194,"linktype":25},"http:\u002F\u002FFoxy.in",{},{"type":675},{"text":1189,"type":326},". 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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",[],[281,1304,1332],{"name":1305,"created_at":1306,"published_at":1307,"updated_at":1308,"id":1309,"uuid":1310,"content":1311,"slug":1325,"full_slug":1326,"sort_by_date":194,"position":1327,"tag_list":1328,"is_startpage":59,"parent_id":303,"meta_data":194,"group_id":1329,"first_published_at":1330,"release_id":194,"lang":200,"path":194,"alternates":1331,"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":1312,"icon":1313,"name":1305,"type":1314,"pinned":59,"summary":1315,"category":16,"component":290,"blog_posts":1316,"icon_custom":1317,"case_studies":1319,"faq_sections":1320,"featured_guides":1321,"mailbox_category":16,"featured_articles":1322,"featured_blog_posts":1323,"featured_case_studies":1324},"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":1318},{},[],[],[],[],[],[],"payments","help\u002Fcategories\u002Fpayments",-100,[],"76057f91-3ad5-43ee-8674-7d3562faf5eb","2025-05-23T19:23:05.066Z",[],{"name":1333,"created_at":1334,"published_at":1335,"updated_at":1336,"id":1337,"uuid":1338,"content":1339,"slug":1344,"full_slug":1345,"sort_by_date":194,"position":1346,"tag_list":1347,"is_startpage":59,"parent_id":303,"meta_data":194,"group_id":1348,"first_published_at":1349,"release_id":194,"lang":200,"path":194,"alternates":1350,"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":1340,"icon":1341,"name":1333,"summary":1342,"category":1310,"component":1343},"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",[],{},1787180837896]