ACH payments allow your residents to pay directly from their bank accounts. It’s a convenient, cost-effective alternative to credit cards. This article explains how ACH works with CivicPlus Payments, how to get started, and what to expect.
What is ACH?
ACH is a method of transferring funds electronically between bank accounts. It’s often used for:
Utility payments
Tax and permit fees
Scheduled recurring payments
One-time electronic checks
ACH payments are processed in batches and typically take 4 to 5 business days to settle.
Why Accept ACH?
Lower fees than card payments
Convenient for recurring or large payments
Reduces card decline risk
Familiar and trusted by customers
You’ll likely already have ACH enabled for your organization. However, if you do not, please reach out to your account manager or our support team to request activation.
ACH Payment Timing
Submission Day: Payment is initiated
Processing Day: Funds are cleared and batched
Settlement Day: Funds appear in your account, typically within 4 to 5 business days
Delays can occur due to weekends, holidays, or bank rejections.
Things to Keep in Mind
ACH returns can happen if there are insufficient funds or account errors.
Residents must enter their routing and account number accurately.
Some banks may require whitelisting of our ACH Company ID. We’ll provide this if needed.
Need Help?
See FAQs & Troubleshooting for common ACH errors and solutions. Contact support if you’re unsure whether ACH is already enabled on your account or if you have any questions.