ACH Payments

This article provides an overview of how ACH Payments in Suppli work, including funding, return codes and account verifier.

Once an ACH payment is initiated, is is then routed through the ACH network until it is ultimately settled and funded. Regardless of your whether you are on standard or accelerated funding, there is always a 3-day response window during which the payer's bank has the opportunity to provide an invalid transaction response.

Funds are not settled and deposited until the full 3-day response window elapses. This is the lowest risk funding option, as after this window expires this is minimal risk that a transaction fails.

Examples of when you should expect funds to settle are below

• Same-Day ACH:

  • Initiated: Monday

  • Settles: Wednesday

  • Funds: Thursday

• Standard ACH:

  • Initiated: Monday

  • Settles: Thursday

  • Funds: Friday

Please note that bank holidays and weekends add to the response window.

Funds are not settled and deposited until the a 2-day response window elapses. Please note that by reducing the response window from 3-days to 2-days, there is an increased risk of chargebacks.

Examples of when you should expect funds to settle are below

• Same-Day ACH:

  • Initiated: Monday

  • Settles: Tuesday

  • Funds: Wednesday

• Standard ACH:

  • Initiated: Monday

  • Settles: Wednesday

  • Funds: Thursday

Whenever an ACH payment fails, you will be able to see the response code in the "payment details" sidebar in the merchant portal. The response code can be seen in the top half of the sidebar

A full list of the response codes can be found below:

ACH Response Codes

Please note that your customer will only be notified that the ACH payment failed and they will not be provided with a detailed response code

You will be blocked from performing additional ACH debits on a customer account if you receive certain response codes.

• R02 | Account Closed

• R03 | No Account / Unable to Locate Account

• R04 | Invalid Account Number

• R16 | Account Frozen

• R20 | Non-Transaction Account

• S11 | A previous R02, R03, R04, R16 or R20

How to resolve?

If you receive one of the above response codes, you will be stopped from future ACH debits against the account. To resolve this, please reach out to Suppli Support.

• R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code

• R07 | Authorization Revoked by Customer

• R08 | Payment Stopped

• R10 | Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account

• R11 | Customer Advises Entry Not in Accordance with the Terms of the Authorization

• R29 | Corporate Customer Advises Not Authorized

• S12 | A previous R05, R07, R08, R10, R11 or R29

How to resolve?

If you receive one of the above response codes, you will be stopped from future ACH debits against the account. To resolve this, please reach out to Suppli Support.

Additionally, you will need to have the customer provide the following ACH identifier to their bank.

• ACH Identifier: SDSUP56342

ACH Account Verifier is a solution that checks if bank accounts are valid at the time an ACH transaction is initiated. This allows for both you and your customers to be instantly notified if they entered in bad account details at the time of entering the transaction.

Please note that ACH Verifier covers ~90% of US bank accounts.

There are two options when it comes to enabling ACH Account Verifier.

• One Time Verification: The bank account is verified the first time an ACH transaction is run against it. Please note this is the default setting and all first time transactions are automatically enrolled in Account Verifier.

• Constant Verification: The bank account is verified every time an ACH transaction is run against it.