Software for Accepting ACH Payments

Yes. PDCflow completes a third-party assessment to meet Health Insurance Portability and Accountability Act (HIPAA) data security standards.

PDCflow also offers Nacha-compliant ACH payment processing, with features like ACH Verify for web account validation and tokenization to protect sensitive bank data. For more information, visit our Security and Compliance Center.

PDCflow helps you meet Regulation E requirements by facilitating written and signed authorizations for recurring payments.

Send esignature authorization requests via email or SMS. Customers can sign and receive a copy of the payment terms instantly.

Yes. You can send secure payment requests directly to a customer's mobile device or inbox.

Customers click a link to access a secure portal where they can enter their bank details and complete the transaction. Customers don’t need to log in to complete the payment.

Yes, PDCflow offers recurring payment schedules. Control options like payment frequency, schedule length, and minimum payment amount.

PDCflow also offers payer-created schedules on payment portals. That way, customers can choose pay-in-four or select a minimum payment amount to create their own recurring payment plan.

To successfully process an ACH transaction, you typically need the customer's full legal name, their bank's 9-digit routing number, and their bank account number.

Credit card payments are governed by major card brands such as Visa and Mastercard. Card payments can typically be funded within 24-28 hours of processing as opposed to the typical four-day ACH funding window.

However, ACH is often more cost-effective for large transactions, as merchant costs are typically calculated in flat fees rather than a percentage of each transaction.

While specific rates vary by processor, ACH is generally less expensive than credit cards and is usually calculated using a small flat fee per transaction processed.

In addition, merchants can expect to pay return fees for any failed ACH transactions. These can range anywhere from $2 - $35, depending on the issue causing the ACH return.

Yes. With PDCflow, your staff never has to see, hear, or touch sensitive banking information. The customer enters their own data into a secure payment form. During the transaction, PDCflow’s software encrypts, tokenizes, and securely stores the details.