ACH/Direct Deposit

Electronic payments make your business processes faster and more cost-effective—and SmartPayables offers you a smart way to offer your payees the option of receiving an ACH/direct deposit. All of your payments, checks, and direct deposits can be transmitted or uploaded to our system for a simple payable solution. We add value by scrubbing your ACH payments for bad routing numbers before you send—which saves time and money on returns.

Depending on your bank, there are two options to choose from:

NACHA File Generation

The SmartPayables system is capable of creating a raw NACHA file from the payment information you upload. From there, simply export the NACHA file from our system and upload it to your bank, and they’ll automate the payments on your behalf.

NACHA File Automation

If your bank allows automation from a third party, our development team can work hand in hand with your bank to automate the entire ACH process. Our system will generate the raw NACHA file from the payment information you upload and automatically transfer that to your bank. Based on that data, your bank can then automate the payments on your behalf—generally after about 30–45 days of set-up time.

Why is NACHA important?

NACHA – The Electronic Payments Association, is the steward of the ACH Network: one of the largest, safest, and most reliable payment systems in the world. The ACH Network creates value and enables innovation by universally connecting all U.S. financial institutions, and moving money and information directly from one bank account to another.


Discover What SmartPayables Can Do For You

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