Products
Pay-by-Bank (ACH) API
ecommerceach
North’s Pay-by-Bank (ACH) API enables customers to use their checking or savings account to make a payment by providing a valid bank account number and routing number in the payment request. Payment details can be sent from the merchant's user interface through their servers, directly to our in-house processor to complete the payment.
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Integration Guide
API Spec
Resources

Fraud Protection
North validates that the payment bank account is open and in good standing before processing ACH payments by performing internal and external validation checks on the bank routing number and account number at the processor level.
Tokenized Transactions
Custom tokens allow you to link to transactions for voids and refunds. They help mitigate the risk and expense involved with storing sensitive card data.Learn More
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Reporting
Merchants can view processed ACH transaction details in the Payments Hub Merchant Portal, and Sales Partners can access this data in the Payments Hub Partner Portal. Get information about pending, approved, declined, and rejected transactions.
Payment Method Choices
Give customers more ways to pay. Merchants can accept payments via ACH, credit, debit, digital wallets, and more, all from a single payment provider.

Overview
Environment
Language
PCI
Functions
Card-Not-Present

Website
Any server-side language with HTTPS POST or SSL XML calls
In PCI scope. Integrator is responsible for meeting PCI requirements.
Sale, Void, Refund, Sale by Token

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.

What is ACH?

Are there any merchants who cannot use ACH?

Where can a merchant view ACH activity?

What is the difference between ACH Debit and ACH Credit?