ACH Payments

Alguna provides native ACH payment processing:

• Use ACH payments in the native checkout provided by Alguna
• Automatically collect payments for recurring invoices
• Automatically mark invoices as paid and send receipts from Alguna once the payment is collected

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Setup

During onboarding you can opt into using direct ACH payments directly via Alguna.

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Requirements

Every customer created in Alguna would need to add:

• Account Holder Name
• Routing Number
• Account Number

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Overview

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Verification Flow

• During the first payment interaction, Alguna runs the banking details verification process.
  • If the customer is RTP/FEDNow eligible, we will return the verification within 5-6 seconds.
  • If the customer is not RTP/FEDNow elibigle, the verification can take up to 3 business days.

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Payment Collection Flows

• When using self-sign up checkout, and customer chooses a bank transfer.
• When collecing billing information from a customer and saving their default payment method.
• In recurring and one-off payment invoices without any customer input needed if a payment method is saved.

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Unsuccessful Payments and Retries

When an automatic payment fails:

1. Alguna sends a failed payment notification to the customer.
2. Alguna retries the payment based on the agreed failed payment recovery (e.g. 1 / 3 / 5 days).
3. Depending on the failed reason, Alguna will send an update payment method request email.
4. If none of the above work, Alguna will send a direct link to the unpaid invoice.

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Disconnect

Please send a request to support@alguna.io for any disconnections. This is to make sure that we can safely follow the disconnection process without any impact on your existing data.