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ACH Payment Processing with X-Payments
ACH Payment Processing with X-Payments

Learn how to start accepting payments via bank transfer

Alex avatar
Written by Alex
Updated over a week ago

⚠️ Requires:
- X-Cart 5.5.1 or later
- X-Payments Cloud Connector 5.5.1.7 or later (recommended)

Table of Contents

  1. What is ACH Payment

  2. ACH Payments FAQ

  3. Enabling ACH Payments

  4. Customer Experience

  5. Your Experience as a Merchant

What is ACH Payment?

In short, it's a type of online bank transfer that doesn’t involve a credit card. Think of it like paying by cheque, but without any paper. Instead, the money goes directly from one bank account to another using a system called the Automated Clearing House (ACH) — the same system that handles direct deposits and bill payments.

With ACH, payments are secure, efficient, and can be set up for both one-off and recurring transactions, making it a convenient option for your store.

ACH Payments FAQ

Before we look at how to enable ACH in X-Payments and start accepting bank transfers, let’s address some common questions about this feature.

💸 Which Payment Processors Support ACH?

Currently, you can accept bank transfers in X-Payments using:

Note: If there’s a payment processor you’d like us to see, email us at support@x-cart.com. We’ll review every suggestion.

⌛ Are ACH payments instant?

No. Usually, they take one to three business days to complete. This can depend on the type of transaction, when it was started, and the payment processor used.

🤔 How would I know if the payment went through?

Since payments take time to process, you should check the transaction status changes page in your payment processor account.

Enabling ACH Payments

You can set up ACH payments in two ways:

  1. In the X-Cart Admin Area.

  2. Directly through the X-Payments Dashboard.

Option 1: X-Cart Admin Area:

  1. Go to Store › Payment Methods.

  2. Find X-Payments Cloud and click ⚙️ Settings.

  3. Under Payment Method, pick a required payment gateway.

  4. If the lock 🔓 next to Payment processing is closed and the fields are greyed out, click it and log in to enable editing.

  5. Scroll down to the ☑️ Enable ACH Payments box and tick it.

  6. Click Save to apply the changes.

Enabling ACH payment option in X-Cart Admin

Option 2. X-Payments Dashboard:

  1. In the top right navigation bar, click 🔧 Settings , and select Payment processing.

  2. On the next page, pick a required payment gateway.

  3. Scroll down to find the ☑️ Enable ACH Payment Capabilities box and tick it.

  4. Click Save to apply the changes.

Enabling ACH payment option in X-Payments Dashboard

Customer Experience

After setup, customers will have an option to pay via ACH. To use it, they will need to:

1️⃣ Select 🔘 Credit or Debit card by X-Payments as a payment method.

2️⃣ Click on the Cheque icon under Ways to Pay.

3️⃣ Fill their Bank Account Number, Routing Number, and Check Number in the form.

4️⃣ Tick the ☑️ Accept terms & conditions box and click Place Order .

Selecting ACH Payment method

Your Experience as a Merchant

When customers make a purchase using ACH, you'll see part of their account number in your X-Cart Admin Area (under Orders), X-Payments Dashboard, and on invoices 👇🏻.

Account Number in Admin Area › Orders › Invoice

If a customer makes multiple payment attempts, you'll see each bank account number they used listed on the order page in the X-Cart Admin.

Can't find answers you're looking for?

Email us at support@x-cart.com. We will be happy to help!

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