{"id":2022,"date":"2022-05-26T16:07:53","date_gmt":"2022-05-26T16:07:53","guid":{"rendered":"https:\/\/istreamfs.com\/?post_type=solution&#038;p=2022"},"modified":"2023-08-03T14:25:49","modified_gmt":"2023-08-03T19:25:49","slug":"ach-processing","status":"publish","type":"solution","link":"https:\/\/www.istreamfs.com\/solution\/ach-processing\/","title":{"rendered":"ACH Processing"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<div  class=\"acf-block-hero block_0d4f1f7903560a12996017018963216c    bg-none\t\">\n            <div class=\"row d-flex\">\n            <div class=\"col col-12 col-md-6 mt-lg-0 d-flex flex-column justify-content-center mt-5\" style=\"z-index:2;\">\n                                    <div class=\"card-microtitle\">\n                        SOLUTION                    <\/div>\n                \n                <h1 class=\"\" data-aos=\"fade-in\" data-aos-delay=\"0\">\n                    ACH Processing                <\/h1>\n\n                                    <div class=\"copy lead\" data-aos=\"fade-in\" data-aos-delay=\"50\">\n                        <p>ACH processing from iStream Financial Services is designed to provide a low-cost and efficient option when it comes to payment processing.<\/p>\n                    <\/div>\n                \n                \n                                                    <div class=\"hero-link mt-3\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.istreamfs.com\/wp-content\/uploads\/2017\/01\/ACH.pdf\" class=\"btn btn-primary\" role=\"button\" data-aos=\"fade\" data-aos-delay=\"150\">Download ACH Sales Sheet<\/a>\n                <\/div>\n\t\t\t\t\n            <\/div>\n                            <div class=\"col col-10 col-md-6 mt-5 mb-3 mt-md-0 text-center align-self-center \">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1002\" src=\"https:\/\/www.istreamfs.com\/wp-content\/uploads\/illustration-ach-processing-1024x1002.png\" class=\"img-fluid\" alt=\"\" data-aos=\"fade-in\" data-aos-delay=\"250\" srcset=\"https:\/\/www.istreamfs.com\/wp-content\/uploads\/illustration-ach-processing-1024x1002.png 1024w, https:\/\/www.istreamfs.com\/wp-content\/uploads\/illustration-ach-processing-300x294.png 300w, https:\/\/www.istreamfs.com\/wp-content\/uploads\/illustration-ach-processing-768x751.png 768w, https:\/\/www.istreamfs.com\/wp-content\/uploads\/illustration-ach-processing-1536x1503.png 1536w, https:\/\/www.istreamfs.com\/wp-content\/uploads\/illustration-ach-processing-2048x2004.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <\/div>\n                    <\/div>\n          \n<\/div>\n\n    <style>\r\n        .block_39c6deed54e8b0fb8170a17de0679e6b {\r\n            background: linear-gradient(rgba(0,0,0,.2), rgba(0,0,0,.4)), url(\"https:\/\/www.istreamfs.com\/wp-content\/uploads\/GettyImages-1203522802.jpg\");\r\n            background-position: center center;\r\n            background-size: cover;\r\n            background-repeat: no-repeat;\r\n        }\r\n    <\/style>\r\n<div  class=\"acf-block-card block_39c6deed54e8b0fb8170a17de0679e6b alignfull mt-5 py-5 mb-0  bg-secondary\">\r\n    <div class=\"container\">        \r\n            \r\n\r\n            <div class=\"mt-4 justify-content-center row row-cols-1 row-cols-md-2 row-cols-lg-2 row-cols-xl-2\">\r\n                                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"50\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">ACH Origination and Receipt<\/div>                                                                        <div class=\"card-text\"><p>iStream provides clients the ability for clients to both initiate and receive ACH payments via several pathways.<\/p>\n<p>With several different options related to how payments are handled and subsequently disbursed, iStream has a solution that meets the unique and often complex needs of clients.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"100\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">Sub-Accounting \/ Split Settlement<\/div>                                                                        <div class=\"card-text\"><p>The sub-accounting platform within the iStream Payments Platform is designed to facilitate ACH Payments based on client\u2019s specific needs when it comes to initiation, acceptance and disbursement of both the payments themselves as well as the data that is associated with each transaction.<\/p>\n<p>Additional functionality for reporting and balancing makes reconciliation easy and streamlined, promoting efficiency, and saving time.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"150\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">iDD \u2013 iDirect Deposit<\/div>                                                                        <div class=\"card-text\"><p>The iStream offering designed to accept incoming ACH payments from government, state (where available) or payroll payments.\u00a0 Once received, a number of different disbursement options, such as check, ACH or pre-paid card are available.<\/p>\n<p>This is an ideal solution for individuals who do not have bank accounts and often rely on the services of check cashing establishments.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"200\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">ACH Delayed Clearing \/ Controlled Disbursements <\/div>                                                                        <div class=\"card-text\"><p>In cases where financial risk may be present, iStream offers the ability for processing to be accompanied by delayed disbursement. This ensures that the credit transactions can clear and be considered good funds prior to disbursement to the final endpoint.<\/p>\n<p>These options can be configured according to the specific needs of each client and can be modified to accommodate dynamic business conditions.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"250\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">Back Office ACH\u00a0<\/div>                                                                        <div class=\"card-text\"><p>Clients have the ability to utilize ACH processing services from iStream that are initiated from the iStream Payments Platform Back Office.<\/p>\n<p>This allows them to use BOFD (Bank of first deposit) of their choice, such as an existing relationship they may have or by leveraging one of the iStream institutional processing partners.\u00a0 Clients leverage the iStream interface for inputting specifics for each transaction and approving them for the system to process.<\/p>\n<p>Simple, streamlined and efficient for clients needing an ACH processing solution, but that may not have available resources to fully integrate via API or develop to specific file specifications.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"300\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">File Based ACH<\/div>                                                                        <div class=\"card-text\"><p>For clients who are looking to process large volumes of transactions, file-based ACH may be an ideal option.\u00a0 Multiple file formats are available as options as well as the capability to facilitate payment \u201csplits\u201d by leveraging the iStream Sub-Accounting Platform.<\/p>\n<p>This allows a single transaction to be disbursed to multiple endpoints based on a robust rules-based engine.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"100\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">Hosted Payment Page<\/div>                                                                        <div class=\"card-text\"><p>Online payment page boasts functionality designed to enable customers to pay via ACH.\u00a0 This option can be incorporated into existing web sites for consistent look and feel or can be hosted separately, depending on client specific needs.<\/p>\n<p>Adding ACH payments offers a low-cost alternative to high priced credit card transactions.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"150\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">Virtual Terminal ACH<\/div>                                                                        <div class=\"card-text\"><p>The iStream Virtual Terminal is designed to be merchant facing and can support both recurring and one time ACH.\u00a0 Additional support is also available for Credit Card processing.<\/p>\n<p>This is an ideal solution for entities that rarely have point of sale encounters or have customer service agents processing payments the majority of the time.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"200\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">Integrated ACH<\/div>                                                                        <div class=\"card-text\"><p>This option provides clients with the capability to process ACH via a software integration to their third-party applications.<\/p>\n<p>This provides a level of automation and reduces the likelihood of human error while ensuring consistency.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                            <div class=\"col mb-4\">\r\n                            <div class=\"card post-content\" data-aos=\"fade-up\" data-aos-delay=\"250\">\r\n\r\n\r\n                                \r\n\r\n                                <div class=\"card-body  px-3 px-xl-5\">\r\n\r\n                                                                        <div class=\"card-title\">Validation<\/div>                                                                        <div class=\"card-text\"><p>Whether your goal is to be compliant with the NACHA rules on ACH Validation or to eliminate unwanted returns, iStream has the right solution for you. From sending micro-transactions using the ACH network to validating banking credentials in Real-time, iStream has you covered. Discover more about our account <a href=\"https:\/\/www.istreamfs.com\/solution\/validation\/\">validation solutions<\/a>. <\/p>\n<p>With our Validation Only offering, you are also able to validate, in real-time, bank account information on transactions being cleared with your current banking relationship.<\/p>\n<\/div>                                                                    <\/div>\r\n                                                                                                                                <\/div>\r\n                        <\/div>\r\n                                                <\/div>\r\n            \r\n        <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>ACH processing from iStream Financial Services is designed to provide a low-cost and efficient option when it comes to payment processing. <\/p>\n","protected":false},"author":5,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"solution_tag":[],"solution_category":[],"class_list":["post-2022","solution","type-solution","status-publish","hentry"],"acf":[],"yoast_head":"<title>ACH Processing - 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