Table of Contents
- About the ACH Interface
- User Interface for ACH
- Expand and Collapse Transfer Details
- Load More Search Results
- Search Activity
- New, Copy, Edit, and Delete Transfers
- User Interface Layout
- Messages for Processing Transfers
- Delete a Recurring Transfer
- File Import Templates
- Edit or Delete Imported Files
- Transfer Reports
- Sample PDF and CSV Transfer Reports
About the ACH Interface
The ACH interface improves usability, responsiveness, and device independence. Responsive design helps ensure that the system clearly displays all data on virtually any screen size or resolution, without the use of horizontal scrolling in lower resolutions, on smaller devices, or in smaller browser windows.
Access the ACH module in Business Advantage by selecting Payments & Transfers.
User Interface for ACH
Expand and Collapse Transfer Details
1.3 Click or tap the up and down arrows next to any transfer to see additional details about the transfer (for example, the Reference number, Payment type, Issued by, Issued date, and Item count). Simply click or tap to collapse the row.
Load More Search Results
1.4 The system initially retrieves up to twenty transfers at a time. You can add more results by clicking or tapping on More ACH Activity at the bottom of the page.
1.5 Sort the list of transfers by clicking or tapping next to any column heading (Transfers can be sorted by Date, Description, Status, Withdrawal, Deposit, or Type)
1.6 The Search activity section enables refining the search by defining key search terms such as: Date, Type, Amount, Tax identification number, Description, Reference number, Priority, and Status.
New, Copy, Edit, and Delete Transfers
1.7 All ACH transfers are conveniently grouped into two categories: payments and collections. Within each category you can access all the types of ACH transfers (for example payroll or prearranged payments).
From the main ACH menu click on + New payment or + New collection to establish a new ACH transfer.
By selecting either option, the system displays a New Payment or New Collection box from which one can specify the type of ACH transfer from the Type drop-down list, click Continue.
1.8 If there is an existing transfer that can be reused, simply locate the desired transfer and then click the Copy button.
The system then displays an edit page for the transfer that was copied. Make any changes as needed and rename the transfer.
The system will retain the original transfer and the newly copied transfer.
1.9 The ability to edit a payment or collection is easier than ever for transfers that have not completed processing.
From the main Activity tab, click or tap the Edit button for the transfer that requires edits.
1.10 From the main Activity tab, click or tap Delete for the transfer to be deleted.
User Interface Layout
1.11 The system divides the transfer page (for new, copy, and edit transfers) into three sections:
a. Transfer Overview
b. Pay from
c. Pay to
a. The Transfer Overview section enables the following: Name the transfer; establish the transfer date, the frequency of the transfer, and the owner of the account.
b. The Pay from section provides an overview of where the payment funds are coming from. By clicking or tapping on the Details button, you can edit additional fields such as: Payment information, Identification, Name and Discretionary data.
For transfers that contain multiple rows of information, you can click or tap on the Filter button and then sort the results by Account, Amount, Identification, and Name. As you begin typing data into one of these fields, the system automatically starts sorting.
Note: The transfer type determines what additional fields display when you click or tap Show Details and Show Filter.
To place a hold on a transfer, click the Pay switch. A hold stops the system from submitting the indicated transfer to the financial institution during processing and saves the transfer for future use. To remove the hold, click the Hold switch to turn on the Pay option and proceed with processing the specified transfer as part of the batch.
Note: ACH Manager uses switches that change labels when you activate or deactivate the switch by clicking on them. The switches are in the table that follows.
c. The Pay to section provides an overview of where the payment funds are coming from. By clicking or tapping on the Details button, you can edit additional fields such as: Payment information and Discretionary data.
For transfers that contain multiple sources of payment, click or tap on the Filter button and then sort the results by Name, Identification, Routing transit, Account number, Account type, and Amount. As you begin typing data into one of these fields, the system automatically starts sorting.
Note: Clicking or tapping on the Show Details and Show Filter buttons change the buttons Hide Details and Hide Filter and causes the
user interface to display additional fields. Clicking or tapping on the buttons a second time will restore the buttons and the user interface to their default setting.
To add a prenote to all payments, click the Prenote none switch to enable the prenote and thereby adding a zero dollar prenote transfer for the current business day. To remove all the prenotes, click the Prenote all switch to turn on prenotes. You can enable prenotes for individual payments by clicking the No switch. You can disable prenotes for a specific transfer by clicking the Yes switch. The system processes the transfer on the effective date regardless if a prenote is sent prior to processing.
Routing Transit Field
The Routing Transit field has dynamic search capabilities. Click or tap to search for the routing transit number that identifies the Receiving Depository Financial Institution (RDFI). The system opens a new Routing Transit search box. Use the Routing Transit, Institution Name, City, or State fields to search for the correct routing transit number. Once the correct institution is located, click the appropriate Institution Name and the system will populate the Routing Transit field with the correct routing transit number.
Messages for Processing Transfers
1.12 Click the Complete ACH or Save for later button and the system will display one of three types of messages: success, warning, or error. We list one example of each.
Note: When the system displays the transfer confirmation page you have the option to save the transfer as a template by clicking the Save as a template button. The system then applies the transfer specifications to a template which enables you to reuse the content for future transfers.
Delete a Recurring Transfer
1.13 From the Activity page, click on the Delete button for a recurring transfer and the system displays the Delete recurring file page. From this page a single occurrence or all future recurring transfers can be deleted from the Deletion Type drop-down list.
1.14 When or If a transfer is submitted for review, the system will display the transfer confirmation page. From the confirmation page, the option is presented to save the transfer as a template by clicking the Save As a Template button, making it easier to establish a new template and reuse content for future transfers.
From the Template menu, click on + New payment template or + New collection template to establish a new template. In addition, there are options to edit or delete existing templates, and process transfers using an existing template.
1.15 Click to view details about a template, such as Company name, Payment type, Amount range, Created by, and Approved by.
New Transfers from a Template
1.16 When selected, the template option will display all existing templates and new templates can be created or edited as well. Use a template to establish a new transfer by clicking the Send button for the specified template.
File Import Templates
2.1 The File import templates tab allows quick access to imported templates. Click the arrow to view the Company name, Payment/Collection type, Created by, and Approved by information for a specific import template. Click on the Template name hyperlink to inquire on the import template.
Click + New file import template to establish a new import template for NACHA and NonNACHA files. Once you specify the type of file, you can define all the required fields for establishing the import template.
Click Send from the main File import template list to import a file and establish a transfer using the specified template. Click Continue and then Complete ACH to process the import file.
The system displays the Exceptions page when a Non-NACHA file is imported and data in the file is missing or inaccurate (for example, the dollar amount has the decimal too far to the left or the routing transit number is invalid). Correct any exceptions then click Continue, the system continues with the import process.
Edit or Delete Imported Files
2.2 Click Edit from the main File import template list to quickly apply changes to the file import template.
3.1 Click the Report button from the Activity page the system will open up the Activity Report box. With the Activity Report box, fine tune the report and decide which pieces of information the system will include when the report is generated.
Click the Select button to open the Activity Report Selection box. The Activity Report Selection box allows the selection of specific transaction activities that the system should include in the report.
3.2 Once selecting the Report button from the Templates page, the system opens up the Template report box. Once all selections are made, choose either PDF (.pdf) or Comma-separated values (.csv) from the Format drop-down list and click Download report.
Access the import NACHA and Non-NACHA files functionality directly from the main ACH Activity page by clicking import file.
Import NACHA Files
4.2 The process for importing a Non-NACHA file has been simplified by combining steps.
In addition, the system automatically populates additional information in the File Format section such as Delimited (and associated type) or Fixed Width, Header and Footer rows to exclude and any Text Qualifier (if there is one).
Also, as each column is defined in the File Format section, the system displays a Mapping preview.
Payments & Transfer Review (approval workflows)
4.3 The process of reviewing ACH transfers has been simplified by limiting the review and approval process to a single access point which is found on the Business Advantage Home Page.
To view details of a transfer prior to approving it, click the Description for the transfer and the system expands the page to display the details.
Approve or disapprove multiple transfers at once by selecting individual check boxes or select all transfers for approval or disapproval by selecting the Description check box and then clicking the appropriate Approve or Disapprove button.
Once clicking Approve or Disapprove, the system displays one of the following the Security Challenge boxes.
The displayed security challenge depends on the Multifactor Authentication security settings specified for each customer (hard token, soft token).
4.4 Review new templates or changes made to templates using the Administration option on the Business Advantage Home page. Navigate to the ACH Template review page and several options are presented:
- Click on the Name hyperlink for the template to see details about the template.
- Click Edit to make additional changes to the template.
- Click Delete to delete the template.
- Select the appropriate check box for the new or modified template and click Approve. The system then updates the page to show which templates were approved and which ones are still pending approval.
Change Effective Date Warning for Multi-batch Files
4.5 In a multi-batch file, if dates are invalid (either too far in the future or past), the warning message is displayed and the system does not process the transfer until “yes or no” decision is selected.