PCE’s ACH capabilities let you initiate one-time and recurring bank debits, track payment status, handle returns, and validate accounts—all via a unified, PCI-light API. Whether you need standard or same-day processing, addenda records, or advanced fraud controls, PCE delivers a robust, compliant solution.

Prerequisites

Active merchant bank account enabled for ACH origination
Agreement to NACHA Operating Rules and ODFI sponsorship
HTTPS endpoint for notifications (webhooks)

Limitations

Sandbox data is isolated—don’t import live bank details

Compliance / Regulation Mandates

NACHA Operating Rules

All ACH transactions must comply with NACHA rules for SEC codes, settlement windows, and return timelines.

Reg E (EFTA)

Provide required disclosures and error-resolution procedures for consumer debits.

OFAC & KYC/AML

Screen all transactions against OFAC lists and perform risk-based customer due diligence.

Reg CC Funds Availability

Adhere to cutoff and settlement timing requirements for same-day and next-day ACH.

GDPR & Data Privacy

Protect personal and bank account data in accordance with GDPR and applicable privacy laws.

ACH Debit Initiation

Initiate ACH debits by specifying amount, SEC code (CCD, PPD, WEB, TEL), and schedule. Use addenda records for extra info.

Same-Day ACH

Submit debits for same-day settlement within designated cutoff windows; subject to network limits and fees.

SEC Code Support

Support for CCD (corporate credit), PPD (consumer debit), WEB (e-commerce), and TEL (telephone-initiated). CTX (corporate trade) is not supported.

Addenda Records

Include a single addenda line to convey invoice or remittance details alongside the debit.

Modify Payments

Cancel or update scheduled debits (amount, date, or addenda) before the cutoff time to prevent origination.

ACH Returns & Reversals

Automatically process NACHA return codes (R-codes) and reversals. Receive webhook notifications for returned or reversed transactions.

Refunds

Issue full refunds or one-or-more partial refunds against settled debits, up to the original amount.

Account Validation & Verification

Instant EWS Verification

Perform upfront ACH account checks via Early Warning System for immediate validation.

Prenotification (Prenote)

Send zero-dollar prenote transactions to verify account and routing data before live debits.

Micro-deposit Verification

Use two-small deposits and customer confirmation to verify account ownership.

Processing & Settlement

Standard ACH: Next-day settlement following NACHA batch windows.
Same-Day ACH: Multiple intraday windows for faster settlement.
Cutoff Times: Observe ACH network cutoff deadlines to ensure timely processing.
Automated Return Handling: System-driven retries and notifications for common return reasons.
Notification of Change (NOC): Accept routing/account updates via NOC events.

Risk & Fraud Shield

Good-Funds Model: Reserve funds upon initiation to reduce NSF risk.
Payment Approvals: Optional pre-approval flows before debit submission.
Velocity Controls: Limit transaction counts and volumes per account or customer.
Statement Descriptors: Customize ACH debit descriptions for clarity.
Fraud Prevention: Leverage machine learning and rules engines.
Debit Blocks: Automatically block debits on accounts with high return rates.

Revenue Accelerator

Split Payouts: Distribute debit proceeds across multiple Passport or external accounts based on funding rules.
Clearing Accounts: Use dedicated clearing accounts for consolidated settlement and reconciliation.

Integration Methods

APIs: Full CRUD support for debits, returns, validations, and payouts.
Bulk File Uploads: Submit NACHA-formatted files for high-volume batches.
Webhooks: Receive real-time event notifications for creations, updates, returns, and reversals.
Sandbox Simulator: Emulate full ACH lifecycles and failure scenarios in a safe test environment.