ACH Payments
Nacha Rule
Nacha is enforcing the Supplemental Fraud Detection for WEB Debits and Mobile Payments in March 2022. To keep you compliant, increase conversions and process payments even faster, Usio offers Instant Account Validation and Prenote Verification with the highest level of payment security available: PCI Level 1.
Usio Instant Account Validation will increase conversion rates while reducing abandonment. In seconds, Usio confirms that an account is valid including bank details, account number, routing number, balance and holder name. You receive the highest level of security and compliance with Nacha standards. And, Usio Instant Account Validation sits outside the ACH network which means there’s no impact to transaction counts or return ratios.
Usio offers a payment platform built for the entire life-cycle of payments. Our Prenote Verification is a zero-dollar entry that notifies the bank that payment will be processed in the future. Plus, our APIs directly integrate with your bank accounts, allowing you to process payments using ACH and multiple other payment methods 2x faster than your existing solution. Usio keeps it simple.
Elevate your Payment Experience
with ACH Payment Solutions
Experience the confidence of secure payments and the convenience of rapid transfers, all with our cutting-edge ACH payment processing system, allowing you to send and receive funds with unprecedented efficiency. Whether you’re handling payroll, bill payments or vendor transactions, our ACH program streamlines the process for swift, hassle-free money transfers and expense payments.
Elevate your Payment Experience with ACH Payment Solutions
Usio is one of a select few broad-industry focused Nacha Certified Third-Party Senders. Ultimately, we provide greater funding control with same-day funding and late cutoff via multiple originating depository financial institutions (ODFIs).
Through constant innovation, Usio ACH allows you to move money to or from any US bank account at a fraction of the cost of credit card processing. We’re also one of the first processors to offer same-day ACH credits to any US bank account.
- Secure
Highest level of fraud detection and payment security in the market with PCI Level 1 and tokenization.
- Distinguished
We’re a Nacha Certified Third-Party Sender, the highest level of commitment toward compliance for payment companies.
- Convenience
Digital and automated process that can be made at the office or at home.
- Support
Access to in-house team, Certified Payment Professionals (CPP), project managers, rate analysts, fraud department and marketing pros.
PINLess Debit
Convenient & Cost Effective.
More than anything else, we understand that speed and execution are critical. Usio PINless Debit processing is an alternative electronic payment solution that addresses your unique needs while providing lower cost, real-time debits, and instant loan funding with unmatched coverage. Usio PINLess Debit solutions include:
- Debit Card Coverage
Usio supports transactions across all major debit networks, providing you unmatched coverage 24/7.
- Real-Time Funds
Instantly push funds to a borrower’s card, reducing wait times for online lenders and reducing cash requirements.
- Instant Verification
Leverage Usio real-time verification tools to reduce fraud with the card brands and debit networks.
Remotely Created Checks (RCC)
- Automatically send customized reminders and receipts.
- Manage accounts in real-time with our feature-rich, enterprise-class payment gateway.
- Recurring payments can be scheduled by the customer, allowing recurring payments to run on autopilot.
- Automatically send customized reminders and receipts.
- Seize the full potential of our solutions by integrating payments and accounting processes.
- Automatically send customized reminders and receipts.
- Fraud Prevention: Mitigate risk and fraud by validating account information upfront.
PreNote Verification
Verification & Prenotes
Identify & reduce fraud beforehand. Plus, ease back-office collections & eliminates data entry errors before enrollments.
Instant Account Validation
Usio Instant Account Validation will increase conversion rates while reducing abandonment. In seconds, Usio confirms that an account is valid including bank details, account number, routing number, balance, and holder name. You receive the highest level of security and compliance with Nacha standards. And, Usio Instant Account Validation sits outside the ACH network which means there’s no impact to transaction counts or return ratios.
- Industry Analytics Engine
Access to industry-specific data & analytics allowing you to address the unique needs of different industries.
- Verification & Prenotes
Identify & reduce fraud beforehand. Plus, ease back-office collections & eliminates data entry errors before enrollments.
Elevate Your Payment Experience
Integrated Payment Processing is Just One Click Away
Corporate Headquarters
-
3611 Paesanos Parkway Suite 300
San Antonio, Texas 78231 - 210.249.4100
Additional Locations
Austin Division
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1800 E 4th Suite 132
Austin, Texas 78702
Usio Output Solutions
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2416 Brockton Street Suite 105
San Antonio, Texas 78217
