Creating ACH payment templates

A payment template is a defined set of instructions that you can use for repeated payments or collections. Templates make it easy to set up and use repetitive payments, including:

  • Payments to vendors and suppliers
  • Collections from customers
  • Payroll payments

Note:  If you create a new template based on an existing template or payment, then the new template's name must be unique. Otherwise, the system will prompt the User to create a unique template name. For data migrations where duplicate template names exist, an incremental number will be added to the newly created template's name. For example, if you create a template based on a template named "VendorTemplate", the duplicate template will be named "VendorTemplate1."

Depending on your FI's configurations, entitled end users have the ability to originate certain ACH transactions with WEB or TEL Standard Entry Class (SEC) codes, in addition to PPD and CCD class codes.

The SEC code for telephone-initiated ACH entries is TEL. TEL is used when a company obtains authorization via the phone from a consumer to create an ACH debit. The TEL code applies to only single-entry payments. TEL transactions must be drawn on a consumer account and be payable in U.S. currency. Additionally, TEL may only be used when:

  • A relationship already exists between the company and the consumer, or
  • In the case where there is not an existing relationship, the consumer initiates the contact with the company

The WEB ACH transaction type is defined as a debit or credit entry to a consumer bank account, for which the authorization was obtained from the Receiver (the consumer who owns the bank account) over the Internet. WEB entries require additional security procedures and obligations that address specific risks.

ACH type WEB TEL
Single Payment Y N
Payments Y N
Single Receipt Y Y
Collections Y Y

To create an ACH payment template

  1. In the navigation menu, click or tap Commercial > Payments.
  2. Click or tap Create Template, then select the ACH payment type (ACH Payment, ACH Receipt, ACH Batch, or ACH Collection).
  3. Enter a Template Name.
  4. In the Grant User Access section, click or tap a User to give users access to the template, then click or tap Next.
  5. On the Recipient & Amount tab, do the following:
    1. Select an ACH Class Code.
    2. Enter a Company Entry Description.
    3. Click or tap a Recipient from the list of recipients.
    4. (Optional) If you have the Manage Recipients right, click or tap New Recipient to create and assign a new recipient.
      1. In the Recipient Detail overpanel, enter details. ACH names can be up to 22 characters long. The ACH name is required if the recipient record contains an ACH account and the system requires it.
      1. In the Account section, enter details for the Recipient, click or tap Save Recipient, then click or tap OK or Create Recipient, depending on the enabled feature rights.
    5. (Optional) If you have multiple Recipients, click or tap Single-Entry or Recurring on the Set All To: menu. This option is available when you select an ACH Class code of WEB or TEL, and you can change individual Payment Type Codes in the Recipient information row.
    6. (Optional) Select the Notify check box to notify the Recipient.
    7. Enter an Amount.
    8. (Optional) Enter an Addendum.
    9. (Optional) For recipients with multiple accounts, click or tap the horizontal bars on the Recipient, select the accounts, then click or tap OK.
    10. (Optional) Click or tap the edit icon () to edit the Recipient.
    11. Click or tap Next.
  6. (Optional) If available, select a Subsidiary, then click Next.
  7. Select the Account from which you want to make the payment, then click Next.
  8. On the Review and Submit tab, do the following:
    1. Click or tap an Effective Date.
    2. (Optional) Click or tap Set Schedule to set up a recurring schedule.
      1. After selecting a schedule, click or tap a date on the When should this transaction stop? calendar, or select Repeat Forever.
      1. Click or tap Save.
  9. Click or tap Draft or Approve.
  10. A confirmation message appears. Click or tap Close.

To create a Payroll payment template

  1. In the navigation menu, click or tap Commercial > Payments.
  2. Click or tap New Template, then select the Payroll payment type.
  3. Enter a Template Name.
  4. In the Grant User Access section, click or tap a User (or multiple Users) to give users access to the template, then click or tap Next.

Note:  You can also Search for Users.

  1. On the Recipient & Amount tab, do the following:
    1. Enter a Company Entry Description.
    2. Click or tap a Recipient from the list of recipients.

    Note:  You can also Search for Recipients.

    1. (Optional) If you have the Manage Recipients right, click or tap New Recipient to create and assign a new recipient.
      1. In the Recipient Detail overpanel, enter details. ACH names can be up to 22 characters long. The ACH name is required if the recipient record contains an ACH account and the system requires it.
      1. In the Account section, enter details for the Recipient, click or tap Save Recipient, then click or tap OK or Create Recipient, depending on the enabled feature rights.
    2. (Optional) Select the Notify check box to notify the Recipient.
    3. Enter an Amount.
    4. (Optional) Enter an Addendum.
    5. (Optional) If there are multiple accounts tied to the Recipients, you can split the payment amounts between accounts.
      1. On the Select Account page, click or tap Split.
      2. Select one Primary account and one or more Secondary accounts. Then, click or tap OK.
      3. Enter a total Amount.
      4. Enter an amount for each of the secondary accounts.

      Note:  The primary account amount is read-only, but as you enter amounts in the secondary accounts, the primary account value adjusts to the total amount of the payment.

    6. (Optional) Click or tap the edit icon () to edit the Recipient.
    7. Click or tap Next.
  2. (Optional) If available, select a Subsidiary, then click Next.
  3. Select the Account from which you want to make the payment, then click Next.
  4. On the Review and Submit tab, do the following:
    1. Click or tap an Effective Date.
    2. (Optional) Click or tap Set Schedule to set up a recurring schedule.
      1. After selecting a schedule, click or tap a date on the When should this transaction stop? calendar, or select Repeat Forever.
      1. Click or tap Save.
  5. Click or tap Draft or Approve. A confirmation message appears.
  6. Click or tap Close.