What is TeleCheck ACH?

TeleCheck® ACH is a secure electronic payment solution provided by Fiserv that uses the Automated Clearing House (ACH) network to process payments. ACH enables the transfer of funds directly between bank accounts, without the need for paper checks, credit cards, wire transfers, or cash. TeleCheck helps merchants:

• Process checks and ACH payments securely.
• Reduce fraud and minimize risks associated with payment acceptance and account creation.
• Verify and reject invalid payments instantly.

TeleCheck ACH services

TeleCheck ACH supports the following payment methods, all of which require customer consent:

• Checks By Phone (CBP)—Lets merchants get authorization from the consumers and electronically settle ACH transactions received online.
• Internet Check Acceptance (ICA)—Lets merchants get verbal authorizations from consumers and electronically settle ACH transactions.
• Remote Pay/PPD—When a merchant gives a consumer a written authorization—signed or otherwise authenticated by the consumer—for a Non-Face-to-Face (NF2F) transaction, they can use Remote Pay or Prearranged Payment and Deposits (PPD) to process either one-time or recurring payments. These payments can be made through the internet, over the phone, or using Interactive Voice Response (IVR) systems.

TeleCheck ACH for Ecommerce

TeleCheck ACH is available to Clover Ecommerce merchants in the United States across all software-as-a-service (SaaS) plans. Merchants can accept ACH payments over the Internet on the Clover Hosted Checkout and the Clover iframe. Customers can make one-time payments using their bank account (check) as the payment method during online checkout.

TeleCheck ACH is enabled for merchants at the time of onboarding. Onboarded merchants receive a welcome email and guides for ACH acceptance. If you face issues related to ACH setup, contact Clover Merchant Support. For instructions on accepting one-time online payments with ACH, see Use TeleCheck ACH with Hosted Checkout.

Related topics

• Create an ACH token
• Accept checks by telephone
• Use internet check acceptance
• Sales decline disclosure templates
• State Abbreviation for TeleCheck