*ACH transactions batch out each night around 6pm Eastern time. Saturday, Sunday, and Monday batches are combined for processing and depositing.

*Funding/Settlement usually occurs in approximately 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.

*You will not receive email notices of settlements/returns. You will log into CardPointe if you need to confirm any batches/deposits/returns. You can see the return reason code by clicking on the transaction id in CardPointe. Your CardPointe login was set up when you completed your merchant applications. If you need information about your login, please contact care@securegive.com. We have also included a cheat sheet for the return codes here.

Finding ACH Returns/Rejects

There are two different statuses when it comes to ACH transactions that are rejected.

When searching by just the Method: ACH Reject in CardPointe, these are transactions that were funded then the money was taken back. Those are noted by the T in front of the transaction number and results in a negative entry in the CardPointe Transactions list. They will show a Status of Processed because they were initially processed then returned.

When searching by Brand: E-Check and Status: Rejected, those transactions were rejected prior to being funded and are noted by an R in front of the transaction number. You won't see a negative entry in the CardPointe Transactions list. However, when looking at the batch they should have been funded in, they just show as rejected and are not included in the total.

The date range defaults to the last 7 days so you may need to adjust the date as well.

Recording ACH Returns/Rejects in SecureGive

*ACH returns/ rejects are not automatically reflected in SecureGive reports. If you have an ACH return, you can mark that transaction appropriately by finding it in your All Transactions Report, clicking on the transaction to view the details, selecting the Edit Pencil, and then using the gray section at the top:

This will also notify the donor that the transaction has been adjusted.

*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 should have the same settlement date listed for them. 

*The signer on the ACH account will receive an emailed statement each month detailing the processing fees for ACH. That email will come from donotreply@snappayglobal.com.  The subject line is: New Invoice Notification. Should you need to line that up with exactly what transactions you were charged for, you can do this by logging into CardPointe and viewing the funding history.