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An ACH transaction is recorded as ",{"text":417,"type":394,"marks":429},[430],{"type":420},{"text":432,"type":394}," and stays ",{"text":417,"type":394,"marks":434},[435],{"type":420},{"text":437,"type":394}," — 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 ",{"text":439,"type":394,"marks":440},"ACH payments on Foxy",[441],{"type":442,"attrs":443},"link",{"href":444,"uuid":130,"anchor":130,"target":445,"linktype":174},"\u002Fhelp\u002Farticles\u002Fach-payments-overview","_blank",{"text":447,"type":394}," for the full explanation and a suggested reconciliation routine.","info","global___alert",{"type":451,"attrs":452,"content":454},"heading",{"level":453,"textAlign":130},2,[455],{"text":456,"type":394},"Setting up ACH.com",{"type":389,"attrs":458,"content":459},{"textAlign":130},[460],{"text":461,"type":394},"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.",{"type":389,"attrs":463,"content":464},{"textAlign":130},[465],{"text":466,"type":394},"From ACH.com, obtain:",{"type":468,"content":469},"bullet_list",[470,484],{"type":471,"content":472},"list_item",[473],{"type":389,"attrs":474,"content":475},{"textAlign":130},[476,478,482],{"text":477,"type":394},"your ",{"text":479,"type":394,"marks":480},"NACHA ID",[481],{"type":415},{"text":483,"type":394},", the identifier for your ACH origination account",{"type":471,"content":485},[486],{"type":389,"attrs":487,"content":488},{"textAlign":130},[489,490,494],{"text":477,"type":394},{"text":491,"type":394,"marks":492},"Security Token",[493],{"type":415},{"text":495,"type":394},", the credential Foxy authenticates with",{"type":389,"attrs":497,"content":498},{"textAlign":130},[499],{"text":500,"type":394},"ACH.com's support team can tell you where these are shown in their merchant portal. Then, in Foxy:",{"type":502,"attrs":503,"content":505},"ordered_list",{"order":504},1,[506,526,538,555,584],{"type":471,"content":507},[508],{"type":389,"attrs":509,"content":510},{"textAlign":130},[511,513,519,521,525],{"text":512,"type":394},"Go to the ",{"text":514,"type":394,"marks":515},"Foxy admin",[516],{"type":442,"attrs":517},{"href":518,"uuid":130,"anchor":130,"target":445,"linktype":174},"https:\u002F\u002Fadmin.foxy.io",{"text":520,"type":394}," and open ",{"text":522,"type":394,"marks":523},"Settings > Payments",[524],{"type":415},{"text":423,"type":394},{"type":471,"content":527},[528],{"type":389,"attrs":529,"content":530},{"textAlign":130},[531,533,537],{"text":532,"type":394},"Open or create a payment method set. If you only have one, it will be the ",{"text":534,"type":394,"marks":535},"Default Payment Method Set",[536],{"type":415},{"text":423,"type":394},{"type":471,"content":539},[540],{"type":389,"attrs":541,"content":542},{"textAlign":130},[543,545,549,551,554],{"text":544,"type":394},"Click ",{"text":546,"type":394,"marks":547},"Add payment method +",[548],{"type":415},{"text":550,"type":394}," and choose ",{"text":376,"type":394,"marks":552},[553],{"type":415},{"text":423,"type":394},{"type":471,"content":556},[557],{"type":389,"attrs":558,"content":559},{"textAlign":130},[560,562,566,568,571,573,576,578,582],{"text":561,"type":394},"Under ",{"text":563,"type":394,"marks":564},"Live setup",[565],{"type":415},{"text":567,"type":394},", enter your ",{"text":479,"type":394,"marks":569},[570],{"type":415},{"text":572,"type":394}," and ",{"text":491,"type":394,"marks":574},[575],{"type":415},{"text":577,"type":394},". This setup only takes effect once ",{"text":579,"type":394,"marks":580},"Use live credentials",[581],{"type":415},{"text":583,"type":394}," is turned on for the payment method set.",{"type":471,"content":585},[586],{"type":389,"attrs":587,"content":588},{"textAlign":130},[589,590,594,596,600],{"text":544,"type":394},{"text":591,"type":394,"marks":592},"Create",[593],{"type":415},{"text":595,"type":394}," — or ",{"text":597,"type":394,"marks":598},"Save",[599],{"type":415},{"text":601,"type":394},", if you are editing an existing entry.",{"type":389,"attrs":603,"content":604},{"textAlign":130},[605,607,610,612,616,618,622],{"text":606,"type":394},"The panel is split into a ",{"text":563,"type":394,"marks":608},[609],{"type":415},{"text":611,"type":394}," block and a ",{"text":613,"type":394,"marks":614},"Test setup",[615],{"type":415},{"text":617,"type":394}," block carrying the same two fields. (The Live heading reads \"Live setup (inactive)\" while the set has ",{"text":579,"type":394,"marks":619},[620],{"type":621},"italic",{"text":623,"type":394}," switched off — that is the current state of the set, not a different set of fields.)",{"type":451,"attrs":625,"content":626},{"level":453,"textAlign":130},[627],{"text":628,"type":394},"What the customer fills in at checkout",{"type":389,"attrs":630,"content":631},{"textAlign":130},[632],{"text":633,"type":394},"For an ACH.com payment, Foxy collects:",{"type":468,"content":635},[636,647,658,669,691],{"type":471,"content":637},[638],{"type":389,"attrs":639,"content":640},{"textAlign":130},[641,645],{"text":642,"type":394,"marks":643},"Routing number",[644],{"type":415},{"text":646,"type":394}," — Notes: The nine-digit ABA routing number of the customer's bank.",{"type":471,"content":648},[649],{"type":389,"attrs":650,"content":651},{"textAlign":130},[652,656],{"text":653,"type":394,"marks":654},"Account number",[655],{"type":415},{"text":657,"type":394}," — Notes: The bank account number.",{"type":471,"content":659},[660],{"type":389,"attrs":661,"content":662},{"textAlign":130},[663,667],{"text":664,"type":394,"marks":665},"Name on account",[666],{"type":415},{"text":668,"type":394}," — Notes: The name on the bank account.",{"type":471,"content":670},[671],{"type":389,"attrs":672,"content":673},{"textAlign":130},[674,678,680,684,686,690],{"text":675,"type":394,"marks":676},"Account type",[677],{"type":415},{"text":679,"type":394}," — Notes: A dropdown offering ",{"text":681,"type":394,"marks":682},"Checking",[683],{"type":415},{"text":685,"type":394}," or ",{"text":687,"type":394,"marks":688},"Savings",[689],{"type":415},{"text":423,"type":394},{"type":471,"content":692},[693],{"type":389,"attrs":694,"content":695},{"textAlign":130},[696,700],{"text":697,"type":394,"marks":698},"Account-ownership checkbox",[699],{"type":415},{"text":701,"type":394}," — Notes: See below.",{"type":389,"attrs":703,"content":704},{"textAlign":130},[705,707,711],{"text":706,"type":394},"ACH.com is the ",{"text":708,"type":394,"marks":709},"only",[710],{"type":415},{"text":712,"type":394}," 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":389,"attrs":714,"content":715},{"textAlign":130},[716,718,722,724,728],{"text":717,"type":394},"The checkout also shows a checkbox the customer has to tick, reading ",{"text":719,"type":394,"marks":720},"\"I represent that I am the owner and\u002For authorized signer on the checking account above\"",[721],{"type":621},{"text":723,"type":394},". 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":439,"type":394,"marks":725},[726],{"type":442,"attrs":727},{"href":444,"uuid":130,"anchor":130,"target":445,"linktype":174},{"text":729,"type":394}," for more.",{"type":451,"attrs":731,"content":732},{"level":453,"textAlign":130},[733],{"text":734,"type":394},"Testing",{"type":389,"attrs":736,"content":737},{"textAlign":130},[738,740,744,746,749],{"text":739,"type":394},"Foxy does ",{"text":741,"type":394,"marks":742},"not",[743],{"type":415},{"text":745,"type":394}," 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":613,"type":394,"marks":747},[748],{"type":415},{"text":750,"type":394}," block.",{"type":389,"attrs":752,"content":753},{"textAlign":130},[754],{"text":755,"type":394},"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":389,"attrs":757,"content":758},{"textAlign":130},[759],{"text":760,"type":394},"There are no test card numbers for this gateway — it does not touch cards at all.",{"type":451,"attrs":762,"content":763},{"level":453,"textAlign":130},[764],{"text":765,"type":394},"Advanced features",{"type":468,"content":767},[768,779,790],{"type":471,"content":769},[770],{"type":389,"attrs":771,"content":772},{"textAlign":130},[773,777],{"text":774,"type":394,"marks":775},"No 3-D Secure, no client-side JavaScript.",[776],{"type":415},{"text":778,"type":394}," 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":471,"content":780},[781],{"type":389,"attrs":782,"content":783},{"textAlign":130},[784,788],{"text":785,"type":394,"marks":786},"No card verification, no AVS, no CSC.",[787],{"type":415},{"text":789,"type":394}," There is no card, so none of these apply.",{"type":471,"content":791},[792],{"type":389,"attrs":793,"content":794},{"textAlign":130},[795,799],{"text":796,"type":394,"marks":797},"No multi-currency and no authorization-only.",[798],{"type":415},{"text":800,"type":394}," ACH.com processes USD only, and does not support authorising a payment without capturing it.",{"type":451,"attrs":802,"content":803},{"level":453,"textAlign":130},[804],{"text":805,"type":394},"Important notes and caveats",{"type":468,"content":807},[808,850,861],{"type":471,"content":809},[810],{"type":389,"attrs":811,"content":812},{"textAlign":130},[813,817,821,825,827,831,833,837,839,842,844,848],{"text":814,"type":394,"marks":815},"Transactions stay ",[816],{"type":415},{"text":417,"type":394,"marks":818},[819,820],{"type":420},{"type":415},{"text":822,"type":394,"marks":823}," forever.",[824],{"type":415},{"text":826,"type":394}," Covered above and in ",{"text":439,"type":394,"marks":828},[829],{"type":442,"attrs":830},{"href":444,"uuid":130,"anchor":130,"target":445,"linktype":174},{"text":832,"type":394},". If you have a datafeed, the ",{"text":834,"type":394,"marks":835},"status",[836],{"type":420},{"text":838,"type":394}," node on an ACH transaction will read ",{"text":417,"type":394,"marks":840},[841],{"type":420},{"text":843,"type":394}," and no further datafeed will arrive to change it. Do not write fulfilment logic that waits for ",{"text":845,"type":394,"marks":846},"approved",[847],{"type":420},{"text":849,"type":394}," on an ACH order.",{"type":471,"content":851},[852],{"type":389,"attrs":853,"content":854},{"textAlign":130},[855,859],{"text":856,"type":394,"marks":857},"ACH is slow and reversible.",[858],{"type":415},{"text":860,"type":394}," 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":471,"content":862},[863],{"type":389,"attrs":864,"content":865},{"textAlign":130},[866,870],{"text":867,"type":394,"marks":868},"Refunds and voids can be issued from Foxy.",[869],{"type":415},{"text":871,"type":394}," 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":451,"attrs":873,"content":874},{"level":453,"textAlign":130},[875],{"text":876,"type":394},"Troubleshooting",{"type":389,"attrs":878,"content":879},{"textAlign":130},[880,884,886,889,891,894,896,899],{"text":881,"type":394,"marks":882},"Every ACH transaction is declined.",[883],{"type":415},{"text":885,"type":394}," 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":563,"type":394,"marks":887},[888],{"type":415},{"text":890,"type":394}," if the payment method set has ",{"text":579,"type":394,"marks":892},[893],{"type":621},{"text":895,"type":394}," on, ",{"text":613,"type":394,"marks":897},[898],{"type":415},{"text":900,"type":394}," if it does not.",{"type":389,"attrs":902,"content":903},{"textAlign":130},[904,908],{"text":905,"type":394,"marks":906},"A transaction shows as pending days later.",[907],{"type":415},{"text":909,"type":394}," That is expected and permanent. See above.",{"type":389,"attrs":911,"content":912},{"textAlign":130},[913,917],{"text":914,"type":394,"marks":915},"Anything about a specific transaction's fate",[916],{"type":415},{"text":918,"type":394}," — 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. 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