How do I take ACH payments?
ACH payments are automatically offered to your customers on any invoice tied to an ACH-enabled account. To get started, create an invoice via the SwipeSimple web dashboard and select a merchant account labeled (Cards & ACH) from the merchant account dropdown. Once sent, your customer will see a Bank Account (ACH) as a payment option alongside a card option.
If you don't see the (Cards & ACH) label in your dropdown, ACH has not been enabled on your account. ACH on Invoices is currently available as a limited release for select merchant service providers who offer SwipeSimple. Check with your merchant service provider to see if it’s available.
Can I create an invoice with ACH as a payment option on mobile? Yes, as long as an ACH-enabled Merchant Account is selected in the app settings (Settings>Merchant Accounts).
The invoice creation flow remains the same. Cardholders will see the option to pay by both Card or ACH when viewing the invoice.
Can I see ACH transactions on mobile? ACH transactions are visible and manageable in the SwipeSimple mobile app:
- An orange ACH icon replaces the credit card icon in the transaction list
- The last 4 digits of the bank account number are shown instead of a card number
- Transaction details show an ACH Details section in place of Card Details
- Void and Refund functionality works the same as on web (Void available up to 5 days; Refund always available; no partial refunds)
Why does my customer's invoice show as paid but the money hasn't arrived yet? ACH payments take longer to settle than card payments. SwipeSimple shows the invoice as paid immediately after your customer submits payment, but funds typically take a few business days to fully process. Status updates are checked nightly.
My customer's ACH payment failed after it showed as paid. What should I do? For invoices, the invoice will automatically reopen so your customer can pay again. Both you and your customer will receive an email notification when this happens.
Can I issue a partial refund on an ACH payment? No — ACH refunds are full amount only. If you need to return only a portion of the amount, you'll need to handle that outside of SwipeSimple.
Why can't I void my ACH transaction? The void window is open for up to 5 days to account for weekends and bank holidays, but it closes once the transaction has fully processed. If the Void button isn't available, click Refund instead. After 5 days, only the Refund option is shown.
What is an ACH return? A return happens when a payment that initially appeared to succeed is later rejected by your customer's bank — for example, due to insufficient funds. You'll see a return code and a description of the reason on the transaction details page. For invoices, the invoice will automatically reopen so your customer can try again.
Does ACH work with Cash Discount or Dual Pricing? Yes — those features remain active on your account, but pricing adjustments apply to card payments only. Customers who pay via ACH always pay the base price.
My customer says they see two separate charges on their bank statement. What happened? If a convenience fee applies to ACH transactions on your account, the transaction amount and the convenience fee appear as two separate charges on your customer's statement. This fee was clearly disclosed on the payment form before your customer submitted payment, including a +Fee indicator on the ACH tab, a blue banner, and a fee indicator on the Pay button. It was also included in the authorization language your customer agreed to when making the payment. Please contact your merchant service provider if you have questions about your account's fee configuration.
Will the convenience fee be returned if I void or refund an ACH transaction? No. The convenience fees are not refunded when a transaction is voided or refunded. Only the original transaction amount is processed through SwipeSimple; the convenience fee is collected separately by the ACH processor, Nuvei.
Do my ACH transactions sync to QuickBooks Online?
If your SwipeSimple account is set up to sync to QuickBooks Online, ACH transactions sync the same way card transactions do — no additional configuration is required.
Where can I see more detailed ACH reporting? SwipeSimple shows a net ACH total in the Sales Report. For more granular reporting, such as individual return details, contact your merchant service provider to ask about access to Nuvei’s Merchant Reporting Portal.