Add Bank (ACH) in My Customers

Add Bank (ACH) in My Customers

Merchants can now add and tokenize ACH bank accounts for their customers directly from the My Customers module in the portal.

How it works:

  • A new “Add Bank” button is available in the My Customers screen.

  • When clicked, it checks if:

    • The user is mapped to a store.

    • The store has ACH-enabled TPNs.

  • If eligible, you’ll be redirected to the CloudPOS → Payments (ACH) screen.

  • The bank account will be tokenized and saved under the selected customer.

What you can do with it:

  • Use the bank token for one-time payments

  • Set up recurring payments

  • Process voids and refunds via ACH

This feature is available for stores that support ACH transactions.

How to use:

Ensure the customer’s store has ACH set up for this to work.

  1. Log in to the iPOSpays portal using a merchant account.

  2. Go to My Customers → search and select the specific customer using the search box at the top.

  3. Click on the Add Payment Method drop-down menu on the right side of the customer profile and choose Add Bank.

  1. You’ll be redirected to the CloudPOS → Payments (ACH) screen.

  2. If you haven’t chosen a TPN, choose the desired TPN against which the customer’s bank details will be saved to be used again later in a transaction.

  3. ACH Type: Choose between:

  • “Telephone-initiated”

  • “Prearranged payment”

Telephone-Initiated ACH:

  1. Enter the required information. The mandatory fields will change based on the Tell ID provided during the Paya integration process.
  1. Tap Add Bank to save and tokenize the customer’s bank information.

Prearranged ACH:

  1. Complete the required fields on the Paya ACH screen. The mandatory fields will change based on the PPD/CCD provided during the Paya integration process.

  2. Tap Add Bank to save and tokenize the customer’s bank information.

  1. Tap Close to go back to the My Customers module.

  2. Now, on the right side of the customer profile, you’ll find the customer’s tokenized bank account.

  3. Tap on the menu icon and choose Run a sale to process transactions immediately without the customer having to provide their bank details again.

  1. Ensure mandatory fields are entered correctly and click Process to complete the transaction.

How to View Tokenized ACH Transactions After They Are Processed

  1. Go to Transactions → Filter icon at the top right corner of the screen → Payments → Alternative Payments → Search.
  1. All ACH transactions will be listed automatically when you apply this filter.

How to Void a Tokenized ACH Transaction

  1. Go to Transactions → Filter icon at the top right corner of the screen → Payments → Alternative Payments → Search.

  2. Choose the transaction you want to void and click the Void button on the right side of the screen.

  1. Click Void to continue.
  1. The transaction will now be voided.

How to Refund a Tokenized ACH Transaction

  1. Go to Transactions → Filter icon at the top right corner of the screen → Payments → Alternative Payments → Search.

  2. Choose the transaction you want to refund and click the Void button on the right side of the screen.

  1. Click Refund to continue.
  1. The tokenized ACH transaction will now be refunded.

How to Set Up Recurring Payments With the Customer’s Tokenized Bank Details

  1. Go to the My Customers module → Choose the specific customer by scrolling down, or just use the search bar at the top to find them faster.

  2. Click on More → Add Recurring Payment from the menu on the right side of the chosen customer’s profile.

  1. As always, you can set up the recurring payment here and now, and you can choose the tokenized bank details from the Card Type drop-down menu.
  1. Once you finish the setup, the customer’s tokenized bank details will be used as the payment method for the recurring payment.

How to Edit

  1. Go to CloudPOS → Recurring Payments → Filter icon → Choose Alternative Payments from the Payments drop-down menu.

  2. Select the recurring payment → Edit Recurring Payment.

  1. Edit the recurring payment and you can choose to Reset, Cancel, or click Edit Recurring Payment to save the changes you just made.

How to Delete

  1. Go to the My Customers module → use the search box to find and select the customer.

  2. On the bottom right side of their profile, click on menu → Delete All.

Bug Fixes