Overview

ACH (Automated Clearing House) is a bank-to-bank payment method available in 4D EMR through 4D PAY.

Enabling ACH

An Administrator can enable ACH by going to Practice > Settings > Integrations and clicking on the 4D Pay tile. 

  • If your office has multiple Merchant accounts, ACH can be enabled for each Merchant account individually. 
  • ACH Payments, Payment Requests, and Terminal Tip support can only be enabled while the 4D PAY integration is disabled.
  • Disable the Integration by clicking the red 'Disable' button. All API keys and settings will be saved. However, transactions cannot be processed while the integration is disabled.
  • Once ACH Payments has been enabled make sure to re-enable the integration. 
  • Users that are logged into 4D EMR may need to refresh/reload their 4D EMR before they will see the ACH option.

Collecting an ACH Payment

Once enabled, ACH will appear as an option on the 4D PAY processing screen when completing a transaction on the Payment Screen in Money. ACH is not available when checking out a Guest cart.

After clicking the ACH button, a dialogue will be displayed to capture the ACH details, including the account holder's name, address, account type, routing number, and account number.

Payment Settlement Timeline

  • ACH payments will generally take between 5-7 days to settle and be deposited.
  • If a payment fails due to insufficient funds, invalid account details, or is determined to be unauthorized the originating bank may complete a clawback reversing the deposit. 
  • Clawbacks can occur up to 90 days after the transaction date. 

Status Updates

ACH payments can be viewed using the ACH Status dropdown on the Receipts tab of Money.

Failed ACH Transactions

When an ACH payment fails:

  • The original payment record is retained in the system. It is not deleted.
  • A red notification will be displayed on the Receipts tab of Money. This alert can be hidden by clicking on the eye icon to the left of the transaction.
  • A new invoice is generated for the outstanding dollar amount
     

Voiding

ACH payments cannot be voided. 

Refunding

ACH payments can only be refunded 5 days after the transaction date or after the payment has settled, whichever is longer. Pending ACH Transactions can be refunded via Check or Cash. 

Current Limitations

  • Saved ACH information: 4D cannot currently save a client's ACH information for future use. This is a planned feature.
  • Payment requests: Payment requests do not currently support ACH.