Our ACHdebit program can have you set up in 24 hours and we will be there to address any custom requirements you may need to run affiliate programs, create special offers, customize join pages, develop cross-sell promotion, etc. We pride ourselves on our merchant and technical support.

Real-time Account Verification:

We provide this at no charge! ACHdebit uses the ATM switches to determine in real-time whether a check is likely to be returned. This service eliminates entries on closed, frozen and invalid account numbers, as well as provides for certain enhanced NSF warnings. Currently, the coverage is approximately 50% of the account numbers in the US banking system. This means much lower returns and fewer "free-loaders".

Collections:

ACHdebit provides an in-house collections department to collect funds from bad check writers. We collect the funds owed and add them to your settlements.

Non ACH Accounts and substitute ABA numbers for ACH:

ACHdebit automatically converts non-ACH entries into paper drafts, deposits them and adds them to your settlements. What is your current processor doing with sign-ups that are originated from non-ACH institutions such as many credit unions?

ACHdebit converts non-ACH ABA numbers to proper R/T numbers for institutions that maintain separate numbers than those that appear on a consumer's check. How many sales are you losing by not using ACHdebit?

Retention and Conversion Programs:

Loyalty Program - Upon cancellation, you can offer your members the chance to stay on at a reduced rate or join another site. If they do not accept, we direct them to the URL of your choice. We also provide this service to your members from our call center.

Cross-Sale Program - Upon sign-up, ACHdebit offers you the ability to cross-sell or up-sell with one of our other merchants or another one of your sites.

Custom Pages and Receipts - ACHdebit allows you to customize your join, accepted, cancel, cross-sell and up-sell pages to help you improve your conversions and retention. You can also customize your email receipts to promote other products or services, or offer up-sells to premium services without the need to re-enter the bank account information.

Free Trial Membership:

Merchants can choose FREE TRIAL memberships of any duration or paid trials with a $2.95 minimum.

Service Fee:

Contact us for a quote! We will meet or beat any other processor. For a detailed explanation of how ACH works and what our pricing methodology is Click here.

Recurring Billing:

ACHdebit offers recurring billing for membership sites. Subscription sales can recur from trial, weekly, monthly, Quarterly, etc. ACHdebit automatically re-runs any recurring that is returned for insufficient funds (NSF) and/or pursues proceeds through our collections department.

Charge-back Fees, NSF (Insufficient Funds) and Refunds:

There are NO fees for disputed ACH transactions. There are NO charges for NSF's or other returns. There is NO charge for the issuance of refund checks.

Reporting:

ACHdebit provides detailed reporting that is available online. We provide you a secured server where you can access your statistics (via a Pin code) 24 hours a day.

• Real-time tracking for ACH sales
• Affiliate tracking, reporting and accounting
• Complete details of returns and refunds
• Daily, Monthly, Yearly transaction history reports
• Multiple groupings for partnership programs
• Accounting statistics for each pay period
• Cross Sale Reporting
• Retention Reporting
• Payout Reports
• Active Member Report
• Scheduled Billing Report
  

Data Dump:

ACHdebit can automatically FTP/SFTP your transaction data to provide for affiliate stats and payment processing, as well as internal accounting. Sponsors who have their own affiliate / accounting / reporting software can use this data dump to import all necessary information. The data is comma delimited.

Fraud Prevention:

ACHdebit has the largest negative and positive database on the 'Net. We also have a proprietary ACH screening system T.O.A.S.T. (total on-line acceptance scoring test). We provide ABA to Account number algorithm testing and Account number verification where possible, as well as other procedures to reduce fraud. More importantly, we do not limit any throughput unless we are 99.9% sure that the transaction is not good. You can expect more settled funds and less returns with ACHdebit.

Customer Service:

ACHdebit has a complete customer service department to handle your customer's billing inquiries. We have automated forms for customer cancellations and password problems in order to provide your customers with immediate service.

Other ACH Opportunities and Applications:

ACH can be used in a variety of applications including, direct deposit, B2B payments, electronic bill payment and presentment (EBPP) and product sales to name a few.

Visit our signup page to get started right now!