Fiserv ACH Processing and Reconciling
ACH transactions batch out each night around 6pm Eastern time. Saturday, Sunday, and Monday batches are combined for
Fiserv ACH Processing and Reconciling
**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 6pm Eastern time. Saturday, Sunday, and Monday batches are combined for processing and depositing.
*Funding/Settlement usually occurs in 3-5 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.
*As of 3/3/26, SecureGive will begin monitoring CardConnect for ACH returns and marking them in your All Transactions report. You will not yet receive email notices of these returns. We will be adding that in the future. They can be veiwed in the All Transactions report by choosing a date range and ordering the top of the Amount column to show negatives first.
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
You can 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 support@securegive.com. We have also included a cheat sheet for the return codes here.
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.
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 if you are using the Batches report to reconcile. ACH batches that are combined for deposit should have the same settlement date listed for them. We will also begin recording Deposits separately in the Reporting tab to assist in reconciling.
Billing
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.