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Ach Information

Written by Patricia Tunstall
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ACH Information About Check Processing

ACH information should be spelled out online in the various websites of companies that offer electronic check processing. The Automated Clearinghouse (ACH) has been around since the early 1970s, and it is today a premier electronic payment system that is often a part of a business merchant account. Any merchant who is interested in enlarging the customer base should consider ACH services to complement credit card processing services.

Paperless checks are such a benefit to merchants; they save check handling (stamping the business name on the back) and eliminate check deposits. For online businesses, ACH information includes details on the workings of the system and the advantages of accepting checks from online customers. Whenever a merchant expands the payment options of patrons, sales increase and customer satisfaction grows.

Processing Paper Checks

ACH offers many services to merchants that facilitate handling of paper checks presented in person. There is the commonplace check guarantee that protects a merchant against bounced checks written on insufficient funds. Check verification lets merchants tap into a negative database to confirm negative information about an individual check or about a checkwriter.

If there is a match between an account number or a home phone number, the merchant has the option to accept or decline the check. ACH information details one of the most interesting ACH services--check conversion, which involves converting a paper check to an electronic transaction at the point-of-sale. The processed check is returned to the customer on the spot, and the funds from it are deposited to the merchant's bank account within five business days.


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