For businesses handling large-ticket transactions, bank transfers can be a more efficient and reliable option than cards. If you are using NMI to manage your payments, you can offer ACH as an alternative payment method, helping reduce payment processing costs.
Setting The Webhook #
To receive ACH payments, you must first enable the required webhooks for settlements and payment status updates. Enter the URL https://backend.leadconnectorhq.com/payments/nmi/webhook and enable the required settlement and payment status events.
For a more detailed breakdown of the NMI connection, refer to the NMI documentation on where to set up webhooks.
Saving a Bank Account #
To save a bank account, you must first collect a payment through an invoice. Once the bank account is saved, it can be used for future recurring debits through recurring invoices and subscriptions.
Frequently Asked Questions #
How do I enable ACH payments with NMI? #
First enable the required webhooks for settlements and payment status updates using the NMI webhook URL, then make sure ACH is enabled on the NMI side so the option appears on invoices.
My client paid, but the ACH transaction still shows as processing. Is that normal? #
Yes. ACH transfers can take up to five business days to reach a final status, depending on the payer’s bank. We recommend providing services only after the payment status changes to Success.
Why isn’t the ACH option showing on an invoice? #
Verify that ACH is also enabled on the NMI side. If it is not enabled there, the ACH option will not appear on the invoice.
How do I save a customer’s bank account for future payments? #
You must first collect a payment through an invoice. Once that payment is made, the bank account is saved and can be reused for recurring debits.
Why can’t I add a bank account directly for recurring invoices or subscriptions? #
At this time, recurring invoices and subscriptions can only be started using a bank account that has already been saved from a prior invoice payment.
Why use ACH instead of card payments? #
ACH bank transfers are often more efficient and reliable for large-ticket transactions and can help reduce payment processing costs compared with card payments.
