CardConnect/ProfitStars ACH Processing and Reconciling
ACH Processing and Reconciling details for CardConnect and ProfitStars
**As of 3/3/26, SecureGive will automatically record ACH returns as well as chargebacks in the All Transactions report. You do not have to manually record them. You will see returns represented by a negative entry and a purple tag of "Chargeback/Return" This process will also notify the donor that the transaction has been returned.
If you need to mark returned transaction from prior to that date you can follow the instructions here.
*ACH transactions batch out each night around 9pm Eastern time. Saturday, Sunday, and Monday batches are combined for processing and depositing.
*Funding/Settlement usually occurs in 4-5 business days.
*Because ACH transactions cannot immediately authorize funds like a card can, they are given an initial approval based upon the information being in the correct format and not being flagged for previous issues. Then that information is sent off to the donor’s bank for processing. At that point, it can be returned for a number of reasons: NSF, Account Closed or Frozen, Payment Stopped, Unable to Locate Account. ACH returns can occur anywhere from a couple of business days up to a couple of weeks.
Viewing ACH Returns/Rejects in CardPointe
*To see the reason for an ACH return, you will need to visit the CardPointe portal: www.cardpointe.com
Your CardPointe login was set up when you completed your merchant applications or you were added as a user. If you use ProfitStars, your ProfitStars account information would have been sent to you when the ACH processing was activated. If you need information about your login, please contact care@securegive.com. We have also included a cheat sheet for the return codes here.
There are two different ways you can search for ACH transactions that are rejected in CardPointe.
When searching by just the Method: ACH Reject in CardPointe, this will show you the negative entries as a result of a returned ACH donation.
When searching by Brand: E-Check and Status: Rejected, this will show you the original transaction that went through the stages of being processed then a final result of Rejected.
*Both of these ways of searching are showing you the same rejected transactions. The date range defaults to the last 7 days so you may need to adjust the date as well. Clicking on the return transaction ID that starts with a "T" will allow you to see the reason for the return.
Reconciling
You may notice that you have some batch reports under the Reporting tab in SecureGive. As mentioned above, some of these can be combined for deposit. ACH batches that are combined for deposit will have the same settlement date listed for them.
Billing
You will receive an invoice from Jack Henry/ProfitStars each month detailing your processing fees for ACH. Should you need to line that up with exactly what transactions you were charged for, you can do this by logging into ProfitStars and viewing the "Invoice Reconciliation Report".