# 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 %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.xplorpay.com/merchant-portal/guides/virtual-terminal/processing-ach-transaction.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.