ACH on Invoices

Overview

SwipeSimple merchants can offer customers the option to pay via bank account on any invoice. Bank account payments use ACH (Automated Clearing House) processing and appear alongside the card payment option as a separate tab on the customer-facing payment form.

Is My Account Set Up for ACH?

The easiest way to check is when creating an invoice. ACH-enabled accounts will appear with (Cards & ACH) in the merchant account dropdown. If you don't see that label, ACH has not been enabled on your account.

Note: If you're unsure whether your account supports ACH, contact your merchant service provider. The contact information for your Merchant Service Provider can be found in SwipeSimple. 

On SwipeSimple mobile and terminal, select the sidebar menu and choose Settings. In the Support section, select the first option which is the name of your Merchant Service Provider and you will find their phone number listed. 

From SwipeSimple Web, click on the question mark in the bottom righthand corner and select 'Learning and Support' to find the phone number for your Merchant Service Provider.

How to Send an Invoice with ACH Enabled

ACH is automatically offered on any invoice tied to an ACH-enabled account.

SwipeSimple Web:

1. Go to Invoices and click Create Invoice
2. In the Merchant Account dropdown, select an account labeled (Cards & ACH)
3. Fill in the invoice details and send as normal

SwipeSimple Mobile: 

1. Click the menu button and select Invoices
2. Click the + icon to create a new invoice

Once sent, your customer will see both Card and Bank Account (ACH) as payment options.

What Your Customer Sees

When a customer opens an ACH-enabled invoice, they'll see two payment method tabs: Card and Bank Account (ACH).

If they select Bank Account (ACH), they'll be asked to provide:

• First Name
• Last Name
• Routing Number
• Account Number
• Account Type (checking or savings)

Depending on the account configuration, they may also be asked for:

• Birth Year or last 4 digits of their SSN
• Billing Address

Note: SwipeSimple automatically determines which fields are required and only displays what's needed. Customers will only see fields relevant to their payment.

Before submitting, customers must check an authorization checkbox confirming they authorize the payment. This is required for all ACH transactions.

On successful submission, customers see the same confirmation screen shown for card payments.

Pricing and Adjustments

ACH transactions always reflect the base price, automatic pricing adjustments apply to card payments only:

If your account uses Cash Discount or Dual Pricing, customers will see the adjusted price when the Card tab is selected and the base price when they switch to Bank Account (ACH).

Tipping can be enabled on ACH transactions the same way it is for card payments.

Convenience Fees

Depending on your account setup, a convenience fee may apply to ACH transactions. If a convenience fee is configured, it will be displayed to your customer on the payment form and included in the authorization language they must agree to before submitting.

What your customers will see:

• A +Fee indicator on the Bank Account (ACH) tab
• A blue banner on the payment form disclosing that a fee will be charged
• A fee indicator on the Pay button
• The fee amount and disclosure included in the authorization language they must agree to before submitting
• Two separate charges on their bank statement. One for the transaction amount and one for the convenience fee, which is collected separately

If a customer asks about two charges on their statement: This is expected when a convenience fee applies. The fee is disclosed on the payment form before submission and included in the authorization your customer agreed to. The transaction amount and the convenience fee are processed separately.

Important: Convenience fees are not refunded if a transaction is voided or refunded.

ACH Settlement Timing

 Important: ACH transactions take longer to process than credit card payments.

When a customer submits an ACH payment:

• The invoice will immediately show as Paid and a receipt will be sent
• The transaction will show as Approved in your transaction history
• However, the payment is still being processed in the background

SwipeSimple checks for payment status updates nightly. If an issue arises during processing:

• Invoices: The invoice will automatically be re-opened so the customer can submit payment again

Both you and your customer will receive an email notification if an ACH payment does not process successfully.

Voids and Refunds

Void

• The Void button is available for up to 5 days after the transaction
• The 5-day window accounts for batch delays that can occur over weekends and bank holidays
• A void cancels the transaction before it’s sent for processing

Refund

• The Refund button is always visible
• ACH refunds are full refunds only. Partial refunds are not supported.
• A refunded ACH transaction cannot be voided

If the button doesn't work:

• If you try to Void outside the available window, you'll receive an error. If this happens, click Refund instead
• If you try to Refund before the transaction has fully processed, you'll receive an error. If this happens, click Void instead
• After 5 days, the Void button is no longer displayed and you must use Refund.

Returns

A return occurs when an ACH payment appears to have been accepted but is subsequently rejected by the customer's bank. This is different from an immediate decline — the funds may have already been deposited into your account before they are reclaimed.

Common reasons for returns include insufficient funds, closed accounts, and authorization issues.

When a return occurs:

• The transaction result updates to Declined in SwipeSimple
• The transaction details will display a return code and description explaining the reason
• Invoices are automatically re-opened so the customer can pay again — no need to create a new invoice
• Both you and your customer will receive an email notification

Transaction Details

ACH transactions display differently from card transactions in SwipeSimple:

• Paid By: Shows ACH
• Result: Shows Approved while processing or after successful settlement; Declined if the transaction fails or is returned; Voided if voided
• ACH-specific fields shown: Bank Account # (last 4 digits only), Routing # (masked), Bank Name (if available), Account Type
• Card-specific fields (card number, card type, AVS result) are not shown for ACH transactions

Transaction Table & Filtering

In your Transactions table:

• The Last 4 column shows the last 4 digits of the bank account number
• The Brand column is blank for ACH transactions
• The Method column shows Invoice as applicable
• The Paid By column shows ACH

To filter for ACH transactions:

1. Open the Filters panel in your Transactions view
2. Under Paid By, select ACH

Reporting

ACH transactions are included in the Sales Report under the Total Net ACH column:

• This column shows the total ACH transaction amounts for each day
• It is visible by default and can be toggled in the Configure Table view

Need more detailed ACH reporting? Detailed reporting can be found in the Nuvei Merchant Portal. Contact your Merchant Service Provider for details on obtaining access. 

Receipts

When an ACH payment is submitted, a receipt is sent immediately to the customer (and to you, if merchant receipt alerts are enabled).

ACH receipts display:

• Masked bank account number (last 4 digits)
• No card type or card-specific fields

Unsupported Territories

ACH payments are not available for customers with billing addresses in the following U.S. territories:

• Northern Mariana Islands
• Federal States of Micronesia
• Marshall Islands
• Palau

Customers in these territories will not be able to complete an ACH payment.