PaymentHub + ACH Direct / NACHA: Process ACH and eCheck payments through dedicated ACH network providers while PaymentHub handles bank verification, invoice matching, GL posting, and return management in your ERP.

PaymentHub's ACH Direct integration connects dedicated ACH network processors to your ERP with automated posting and invoice-level reconciliation.

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About ACH Direct / NACHA

PaymentHub's ACH Direct integration connects dedicated ACH network processors to your ERP with automated posting and invoice-level reconciliation. Unlike card gateways that offer ACH as a secondary capability, dedicated ACH processors provide direct NACHA file origination, same-day ACH settlement, and specialized return handling optimized for high-volume B2B bank payment flows. PaymentHub routes ACH transactions through dedicated processors for lowest-cost bank payment processing while maintaining consistent ERP posting — every ACH credit or debit is matched to invoices, posted to the general ledger, and reconciled against bank settlement reports. ACH processing costs a fraction of card processing (typically $0.25–0.75 per transaction vs. 2.5–3.0% for cards), making dedicated ACH routing a critical cost optimization for B2B payments.

Supported Payment Methods

ACH DebitACH CreditSame-Day ACHeCheckRecurring ACHBatch ACH

Routing Rules & Orchestration

Route all ACH/eCheck transactions to dedicated ACH processor while cards route to card-optimized gateway

Same-day vs. standard ACH routing based on payment urgency or customer tier

Bank verification routing — micro-deposit or instant verification through dedicated ACH provider

Recurring ACH scheduling through the dedicated processor for subscription and installment billing

Volume-based routing — batch origination for high-volume ACH files vs. single transaction API

Gateway Setup

Establish relationship with ACH origination provider (bank ODFI or third-party ACH processor)

Configure ACH credentials and origination settings in PaymentHub gateway settings

Set up NACHA file generation and transmission schedule for batch ACH origination

Configure bank account verification method — micro-deposit, instant verification, or Plaid integration

Define ACH routing rules — which payments route to ACH vs. card based on method availability and customer preference

Set up ACH return handling — NACHA return code processing, automated reversal entries, and customer notification

Security & Compliance

NACHA-compliant ACH file origination with required formatting and validation
Bank account verification (micro-deposit or instant) before first ACH debit
TLS 1.2+ encryption for all API communication and SFTP file transfers
ACH debit authorization management with proper NACHA authorization record keeping

Ready to add ACH Direct / NACHA to your payment stack?

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Full-Stack

Stripe

Route payments through Stripe for card, ACH, and wire processing while PaymentHub handles invoice matching, GL posting, and reconciliation directly in your ERP.

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Traditional

Authorize.Net

Keep your established Authorize.Net processing relationship while adding automated ERP posting, invoice-level reconciliation, and Level 2/3 interchange optimization through PaymentHub.

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B2B Specialist

Heartland (Global Payments)

Route B2B card transactions through Heartland for Level 2/3 interchange optimization while PaymentHub handles invoice matching, GL posting, and automated reconciliation in your ERP.

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