ACH in Essentials (Stripe Payments) (US ONLY)
Topics included in this article
Launch Credit Card Processing Menu
⚠️ IMPORTANT!
EACH LOCATION WILL NEED ITS OWN ACH CONFIGURATION AND SETUP.
- Select “Accounting” from the top navigation bar, then choose “Credit Card Processing” from the dropdown.
Payment Processors Wizard
ℹ️Important! Modify the process based on whether a payment processor has already been completed
- If there is a Cayan Payment Processor configured → then add a new Payment Processor.
- If Stripe is already in use → skip to the Store Configuration section.
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Begin by selecting the “Store Configuration tab”. and configuring and adding a Merchant ( Processor Account).
- Select “Add Merchant”. Please note that in this context, “Merchant” is another word for the Processor Account.
- Select the store or location where you want to add the Stripe account from the dropdown menu. Click Next.
⚠️ IMPORTANT!
EACH LOCATION WILL NEED ITS OWN ACH CONFIGURATION AND SETUP.
- Select Stripe from the dropdown menu as the merchant you would like to add. Click Next.
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Once you select Stripe, you will need to configure the following Merchant settings. After you configure the following settings, click Next.
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Change the Name to something identifiable (e.g “Stripe - Dallas Location”). Remember that each location will need its own ACH configuration and setup.
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Set the Currency.
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Select which “Use case” this merchant will be used for. You can select either ONE of the following or ALL of the options below.
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If the merchant will be used by the RMS in-store and/or by a physical terminal, check " In-store Credit Card Merchant.”
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If the merchant will be used by Storefront, EPay, Consumer Portal, or Quicklink for credit card payments. Check “Online Credit Card Merchant”.
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If the merchant will be used by Storefront, EPay, Consumer Portal, or Quicklink for ACH payments. Check “Online ACH Merchant”.
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Please note that if a merchant has already been assigned as an Online ACH Merchant, you will see the pop-up below. Click Yes.
If you do not see this option, proceed to the following step.
- Now you will see a summary page with the changes about to made. Review to make sure everything looks correct, then click Save.
- Register for the Stripe account by clicking Finish Stripe Registration.
- Follow the instructions in the Stripe portal. You will need to enter your associated email address and log in with your password.
- If you have an existing Stripe account, select the saved credentials here. If not, you should create a new one.
Store Configuration
ℹ️ Important!
If you skipped this step because the Stripe merchant is already configured, then you might need to use the dropdown in Step 2 to change the Online ACH Merchant to Stripe.
- In the main Credit Card Processing screen under the Store Configuration tab, click the Gear Icon next to the store where you just set up the payment processor (as shown below).
- Confirm that the merchant you added is selected as the store’s ACH merchant. (It should be there since it was selected as the “Use case” in Step 5 of the Payment Processors wizard.)
- You're done for this store! 😀 Remember to complete the Payment Processor Wizard and Store Configuration process for each location!
ACH Configuration
You can decide whether your users have access to ACH payment options. You can restrict/allow ACH based on Account vs Cash (non-account) status. In Essentials, the customer must be an Account customer in order for ACH to be available as a payment option. An Essentials customer has an Account status when the customer's credit limit is greater than zero. The credit limit does not need to meet or exceed a certain amount; it just needs to exist for that customer to be an Account customer.
ℹ️ Important note!
This feature is only available on the Storefront and NOT the counter side.
- To edit/check this setting, navigate to the People menu, then select Customers, then select the pencil icon next to the customer you want to edit/verify payment information. Enter or verify that a value greater than zero is in the “Credit Limit” field.
When are ACH Payments Available?
ACH is an available payment method when the end customer is the one entering the payment information on either the storefront or eSign and ePay.
ℹ️ Additional Information about ACH: ACH payment methods are not currently saved for future use. The payment information must be entered each time a payment is made. Automatic recurring billing is not yet supported. An eSign and ePay link may be sent to the customer each month and the ACH payment method entered to submit the payment.