Authorize.net has a few caveats when it comes to using ACH. This article documents those differences.
CP Pay uses Authorize.net’s Accept Hosted to take online transactions for both credit cards and ACH. This is on by default. To turn off the ability to take ACH, you will need to call Authorize.net’s support team and ask for eCheck to be turned off.
This article is provided for information and educational purposes only. If you have questions or concerns, please contact Authorize.net.
Hosted Payment Form
When the user arrives on the payment form, they will be presented with two options - one to check out with a credit or debit card and the other to check out with a bank account.
Clicking Bank Account will show the Bank Name, Name on Account, Account Number, ABA Routing Number and Bank Account Type Fields
After checking out, the transaction will show as ACH in the activity log.
You can also verify this information in Authorize.net’s transaction reporting.
Void an ACH Payment
It is possible to void an ACH payment through CP Pay when using Authorize.net. Voiding an ACH payment works just like voiding a credit or debit card.
Refund an ACH Payment
It is NOT possible to refund an ACH Payment through CP Pay when using Authorize.net. Authorize.net does not provide a compatible API that is compliant with CivicPlus’s security policy. CivicPlus seeks to maintain PCI SAQ-A compliance by not transmitting, storing or capturing cardholder data. This rule is also applied to bank accounts (NACHA). CivicPlus will not store any bank account information, which is required for refunds by Authorize.net.