How ACH Works

North's Pay-by-Bank (ACH) API enables you to meet your merchants' payment needs with a single provider solution. Adding ACH payments to your Point of Sale software is as simple as sending a payment request with a few fields of customer information, including bank account number and routing number. Once North receives the request, fraud checks are automatically performed at the processor level to validate that the bank account exists and is in good standing. If not, the transaction is declined in real time, otherwise the transaction is routed through the ACH network.

Once the funds are secured, they are deposited in the merchant's bank account within 3 days of submitting the ACH payment. ACH transaction reporting can be viewed in the Payments Hub Merchant Portal and the Payments Hub Partner Portal. These dashboards give merchants and sales partners visibility of both pending and settled payments, including information about declined transactions, such as where the payment was declined at the time of the transaction, as well as rejected transactions.