ACH Payments with Authorize.Net

Overview

CyberStore 2024.2 adds ACH (eCheck) payment support for invoice payments when a site uses the Authorize.Net payment gateway. Eligible customers can select the Bank Account payment method and pay an invoice from a checking or savings account.

What Changed

When the Bank Account payment method is assigned to the applicable site and customer class, CyberStore presents it as an option during invoice payment and submits the transaction to Authorize.Net as an eCheck transaction.

Customers provide the following information for an ACH payment:

  • Account type: Business or Personal.
  • Banking type: Checking or Savings.
  • Routing number and account number.
  • Confirmation of the account number.
  • Acceptance of the payment agreement.

CyberStore validates the required banking information before submitting the transaction to Authorize.Net.

Requirements

To use ACH invoice payments, administrators need:

  • Authorize.Net configured as the active payment provider.
  • eCheck.Net enabled for the Authorize.Net merchant account.
  • The Bank Account payment method assigned to the applicable customer class and site.
  • Valid Authorize.Net credentials, environment, and transaction mode.

ACH availability is controlled by the customer-class payment-method assignment. There is no separate ACH feature toggle.

Behavior and Limitations

  • ACH is available for invoice payments only.
  • Removing the Bank Account payment method from the customer-class assignment removes the payment option.
  • If eCheck.Net is not enabled, Authorize.Net declines ACH transactions.
  • Existing Credit Card and Debit Card payment processing is unchanged.