ACH / Direct
Deposit Automation

Take a load off your mind by automating your electronic payments.

ACH/Direct Deposit Automation

Electronic payments, compared to paper checks or other payment options, 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.

What Are ACH Payments?

Automated clearing house (ACH) payments are essentially an electronic fund transfer between banks, credit unions, and other financial institutions across the automated clearing house network. ACH transactions often exist as direct deposits or routine payments addressing debt over a period of time, such as bill payments.

But what is an ACH deposit? Processing ACH transfers consists of sending a file to the originator's bank, then to the clearing house, and then finally to the recipient's bank. This process facilitates an ACH direct bank deposit where the funds are transferred to the receiving checking or savings account. ACH transfers differ from wire transfers in that they must go through a clearing house, which can take several business days to accomplish.

Our ACH software easily creates ACH files and allows your business to transmit them and send money seamlessly. We at Smart Payables add value by scrubbing your ACH payments for bad routing numbers before you send. This saves time and money on returns and creates easier accounting packages.

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.

Discover What Smart Payables Can Do For You

Please fill out the form below and one of our representatives will be in touch with you as soon as possible.

  • This field is for validation purposes and should be left unchanged.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.



NACHA File Automation

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.

Why is NACHA important?


Check payments and documents can get complicated. Simplify it with our Smart Payables platform.