> For the complete documentation index, see [llms.txt](https://docs.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xplorpay.com/merchant-portal/guides/virtual-terminal/processing-ach-transaction.md).

# Processing ACH transaction

Xplor Pay allows you to transfer funds between your bank account and the customer's bank account. You can transfer funds from the customer's account to your account and vice versa.

To process ACH transaction:

{% stepper %}
{% step %}
Select the **Take a Payment** from the Virtual Terminal menu.
{% endstep %}

{% step %}
Go to the **ACH** tab in the Enter Payment window.

The **ACH** tab displays the following text boxes in the **Transaction Types** section:

<table><thead><tr><th width="188">Field Name</th><th width="330">Description</th><th>Required?</th></tr></thead><tbody><tr><td>Select Transaction Type</td><td><p>Select the type of transaction for the ACH transaction.</p><p>Available options are:</p><ul><li><strong>Debit</strong>: Transfer funds from customer’s bank account.</li><li><strong>Credit</strong>: Transfer funds to customer’s bank account.</li></ul></td><td>Required</td></tr><tr><td>Select Account Type</td><td><p>Select the type of account for the ACH transaction.</p><p>Available options are:</p><ul><li><strong>Checking</strong></li><li><strong>Savings</strong></li></ul></td><td>Required</td></tr><tr><td>Select Account Ownership type</td><td><p>Select the ownership type of account for the ACH transaction.</p><p>Available options are:</p><ul><li><strong>Personal</strong></li><li><strong>Corporate</strong></li></ul></td><td>Required</td></tr><tr><td>Routing Number</td><td>Enter the routing number of the customer.</td><td>Required</td></tr><tr><td>Account Number</td><td>Enter the account number of the customer.</td><td>Required</td></tr></tbody></table>

The **ACH** tab displays the following fields in the **Amount** section:

<table><thead><tr><th width="188">Field Name</th><th width="330">Description</th><th>Required?</th></tr></thead><tbody><tr><td>Amount</td><td>Enter the ACH transaction amount. Decimal numbers are allowed.</td><td>Required</td></tr></tbody></table>

When you enter data in the **Amount** section, the **Total Amount** field displays the value of the ACH transaction.
{% endstep %}
{% endstepper %}


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