# ACH Transactions

This page provides an overview of Xplor Pay ACH Transactions and explains how to accept bank-based payments using ACH credit and direct debit. ACH Transactions support secure payment processing, tokenization for reuse, and transaction retrieval through multiple integration methods.

## About ACH Transactions

The ACH Transactions enable merchants to accept payments directly from customer bank accounts using the Automated Clearing House (ACH) network. The platform supports both ACH credit and ACH direct debit payments and provides APIs to submit payments, tokenize bank accounts, and retrieve transaction details.

Xplor Pay integrates with third-party Paya and DCS processors to handle ACH processing, settlement, and reporting.

## Business challenges addressed

Integrating ACH Transactions helps address common payment and operational challenges by reducing card processing costs, enabling bank-based payments, and supporting recurring and one-time transactions. Integrators can offer merchants a reliable alternative to card payments while maintaining secure handling of sensitive banking data.

## Key capabilities

ACH Transactions provides the following core capabilities:

* Submit ACH credit and direct debit payment requests through a unified API.
* Validate and tokenize bank account details for secure reuse in future transactions.
* Retrieve and track ACH transaction status using search criteria and transaction IDs.
* Accept ACH payments using APIs, Paylink, or the JavaScript SDK.

## Use cases

ACH Transactions is designed for the following scenarios:

* Software platforms that need to accept bank-to-bank payments without relying on card networks.
* Businesses looking to reduce payment processing costs by using ACH.
* Merchants requiring secure, card-present payment acceptance.
* Businesses looking to minimize PCI and EMV compliance overhead.

## ACH Transactions process flow

{% stepper %}
{% step %}
**Submit an ACH payment request.**

Send an ACH credit or debit request using the ACH Transactions API with the required bank and transaction details.
{% endstep %}

{% step %}
**Create or reuse an ACH token.**

Tokenize the bank account details to securely store and reuse them for future payments.
{% endstep %}

{% step %}
**Process the ACH transaction.**

The system submits the request for processing through the ACH network.
{% endstep %}

{% step %}
**Retrieve transaction details.**

Query the ACH Transactions API to track transaction status, settlement, or return information.
{% endstep %}
{% endstepper %}

## Technical requirements

* Access to the Xplor Pay ACH APIs
* Support for HTTPS-based API communication

## Related topics

* To process ACH direct debit payments quickly, see [ACH Transactions Quick Start Guide](https://docs.xplorpay.com/quick-starts/ach-transactions).
* To learn how to implement the setup to process payment and API details, see [ACH Transactions API Reference](https://docs.xplorpay.com/api-reference/api/payments/ach).


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