ACH Payments

**Baby Boy** · 08-21-06, 11:51 PM

I was reading up and am interested in ACH processing as an alternative method for people who don't have any way to pay online for my website work. Does anybody have an instructional site on how to do ACH processing. I know I can use other website that will allow me too but I can't really understand the fullfillment of these sites and how to exactly to do it, plus its like $200 to setup and $25 a month as well as .55 cents per transaction.

Help me.

**csmaster2005** · 08-22-06, 10:21 AM

Why not use paypals credit card processing? (As much as I DO hate paypal)

**Baby Boy** · 08-22-06, 03:42 PM

csmaster: Do you know what ACH is (Automated Clearing House) What does PayPal credit card processing have to do with direct bank debiting.

**csmaster2005** · 08-22-06, 11:14 PM

No I dont, sorry from your question it sounded like it was a credit card processing service.

**Baby Boy** · 08-23-06, 12:43 AM

Well yeah, its basically debiting bank accounts via an ACH method.

GlobalWebDan · 10-13-06, 10:34 AM

Hi there, Baby Boy! Glad to see someone I still recognize is hanging around here!

I am not sure on this, but perhaps talk to your bank....they should be able to help you out on setting this up.

**Baby Boy** · 10-15-06, 01:04 PM

Ha ha, yeah right, I'll talk to the bank when I get a new one (the one I have now totally sucks man.) REALLY! LOL

BTW... nice to see you still around too.

SophMedia · 02-03-07, 12:13 PM

Quote:

Originally Posted by Baby Boy

Ha ha, yeah right, I'll talk to the bank when I get a new one (the one I have now totally sucks man.) REALLY! LOL

BTW... nice to see you still around too.

Since you're going to a new bank, if WellsFargo is in your area I highly recommend it. Then talk to their merchant services people, get a Authorize.net account setup ($31.00 a month and if you bank with them they waive the annual fees), and then contact Authorize.net as they have a system for doing ACH payments that is very affordable.

FormPay · 03-08-07, 03:46 AM

I would not use Authorize.net if you plan on doing direct debit as authorize.net is more of an Echeck service and NOT direct debit. With direct debit there are no processing discount rates only a per transaction fee (usually around .25-.75 cents). Authorize.net is a Echeck service meant for converting and accepting checks online for a smaller fee (usually .50% + 35 cents)

The $200 setup fee is normal for Direct Debit however $25/month is not. call the company your interested in and most likely you can get them to waive that fee.