ACH debit and credit

Paya Services allows customers to process single and recurring authorized ACH debit and credit transactions from the checking account of consumers or businesses.

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Transaction options

  • Single billing

    Process a one-time debit or credit transaction to consumer or business accounts.

  • Recurring billing

    Process debits and credits to a consumer or business account on a scheduled recurring basis.

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How it works

  • Written authorization is obtained from the client.
  • Transaction information uploaded to Paya through a variety of options (virtual terminal, payment gateway, API or batch file).
  • Funds electronically debited from merchant or client.
  • Funds electronically deposited into merchant’s or client’s account.


  • Check Verification
  • Check Guarantee
  • Web based user interface or API available
  • Error reduction systems
  • Customer information management systems
  • User defined custom fields
  • Data export for 3rd party accounting or archiving
  • Supports multiple locations and users
  • Multiple certified 3rd party gateways supported
  • Virtual terminal


  • Improved cash flows with expedited payments
  • Eliminate banking fees and paper check handling costs
  • Reduce bad checks
  • Automatic notification and resubmission of NSF items

Markets served

  • Membership Organizations
  • Bill Payments
  • B2B
  • Medical
  • Utilities
  • Government
  • Educational
  • Property Management
  • Insurance
  • Non-Profit