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Ben.Z

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#1

ACH processing for '07 - Just a heads up!

12-20-2006, 07:47 AM

You better be sure that your ACH processor is using "acceptable means" of authenticating your transactions. If they are not, be prepared to grab your ankles!

10 years and WTS is STILL..."Ahead of the Competition and Behind Your Business!"

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jact

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#2

12-20-2006, 07:49 AM

Could you explain "acceptable means" so I can ensure that ours is?

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#3

12-20-2006, 08:16 AM

I'm curious too. "acceptable means"??

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Ben.Z

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#4

12-20-2006, 09:02 AM

Originally posted by jact

Could you explain "acceptable means" so I can ensure that ours is?

Since I'm not the one who can state exactly what is "acceptable" and what is not (we'll leave that to the regulators), an easy way to figure it out is to ask yourself two basic questions...

1) What is being done to validate that the ABA and Account numbers are correct, before presenting them to the ACH network??? (a quick glance at your reason codes on your Returns can clue you in on this. If they contain mostly "invalid account", "unable to locate", "account closed", "unauthorized", etc.... then guess what?!)

2) What is being done to authenticate or verify that the consumer is who they say they are???

Simply put, if you can use any ABA & Account number and/or randomly use anybody's name & address (without having to verify any pertinent, personal info) and the transaction gets processed... then chances are, you are NOT using acceptable means of authentication!

Hope this helps.

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#5

12-20-2006, 10:01 AM

All I know is that my WTS payouts are huge, where as my Epoch and CCBill check signups are huge.... but how little I actually get paid from those 2... yikes! I think you guys at WTS must send goons with baseball bats to the houses of Check deadbeats, 'cause they all clear sooner or later!

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jact

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#6

12-20-2006, 11:18 AM

Originally posted by WTS - Ben

Since I'm not the one who can state exactly what is "acceptable" and what is not (we'll leave that to the regulators), an easy way to figure it out is to ask yourself two basic questions...

1) What is being done to validate that the ABA and Account numbers are correct, before presenting them to the ACH network??? (a quick glance at your reason codes on your Returns can clue you in on this. If they contain mostly "invalid account", "unable to locate", "account closed", "unauthorized", etc.... then guess what?!)

2) What is being done to authenticate or verify that the consumer is who they say they are???

Simply put, if you can use any ABA & Account number and/or randomly use anybody's name & address (without having to verify any pertinent, personal info) and the transaction gets processed... then chances are, you are NOT using acceptable means of authentication!

Hope this helps.

So, educate a laymen who doesn't have much experience with ACH (Being that I'm Canadian, we're lucky to have electricity). What are the consequences if your ACH processor isn't following the above guidelines?

Mostly just curious, I'm not a fan of ACH myself, but I like to know as much as I can.

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#7

12-20-2006, 11:27 AM

Marketing 101 - Course: "The Chicken Little Effect"

Seeking large traffic deals.

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#8

12-20-2006, 11:36 AM

Originally posted by Jimmy The Squid

Marketing 101 - Course: "The Chicken Little Effect"

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#9

12-20-2006, 12:08 PM

Me loves WTS

Great support team, and a superb operation.

Signed nick3131
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Ben.Z

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#10

12-20-2006, 02:08 PM

Confucius 551-479 B.C. - "To know that we know what we know, and that we do not know what we do not know, that is true knowledge." ;-)

Unknown - "Smart is believing half of what you hear, brilliant is knowing which half to believe."

NichWealth posse... we love you too!

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#11

12-20-2006, 02:15 PM

Originally posted by WTS - Ben

Confucius 551-479 B.C. - "To know that we know what we know, and that we do not know what we do not know, that is true knowledge." ;-)

Unknown - "Smart is believing half of what you hear, brilliant is knowing which half to believe."

NichWealth posse... we love you too!

You must have consulted that Confucius book when crafting that first response post.

Seeking large traffic deals.

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#12

12-20-2006, 02:18 PM

WTS brings us a nice amount of money each week from people without CreditCards
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#13

12-21-2006, 10:46 AM

Yes, much much better success with WTS than any other we've tried.
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#14

12-21-2006, 11:09 AM

WTS is a solid company

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#15

12-21-2006, 11:14 AM

I <heart> WTS.

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#16

12-21-2006, 11:28 AM

Thanks for taking the time out to talk to me today, Ben. Look forward to exploring what you have to offer more in depth.

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#17

12-21-2006, 11:58 AM

Originally posted by Jimmy The Squid

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Enough Said.

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#18

12-21-2006, 12:06 PM

Originally posted by WTS - Ben

You better be sure that your ACH processor is using "acceptable means" of authenticating your transactions. If they are not, be prepared to grab your ankles!

10 years and WTS is STILL..."Ahead of the Competition and Behind Your Business!"

Happy Holidays,
Ben Zuckerman

Ben.. Please contact me when you have time.. I want to get our program hooked into the WTS ach system..

thank you

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#19

12-21-2006, 12:23 PM

Anyone that is with WTS or looking to get hooked up, if you want to sell your xsales on ACH we are buying.

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Ben.Z

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#20

12-21-2006, 01:18 PM

Originally posted by jact

Thanks for taking the time out to talk to me today, Ben. Look forward to exploring what you have to offer more in depth.

I'm looking forward to working with you, Joel.

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#21

12-21-2006, 02:25 PM

You guys have been great and solid.

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#22

12-21-2006, 03:20 PM

Happy Holidays you too, Ben.
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#23

12-21-2006, 03:30 PM

You guys are totally pro, always pleasure dealing with you.

Have a great Xmas Ben.
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#24

12-21-2006, 08:22 PM

Bump for WTS
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Ben.Z

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#25

12-26-2006, 09:23 AM

Words of wisdom for the new year...

"Knowledge is useless unless you can apply it." - A Einstein

Quit being useless and contact WTS today!
You'll be glad you did....

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#26

12-27-2006, 11:42 AM

All I needed to know was that as long as I am using WTS then I am in good shape

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#27

12-27-2006, 12:12 PM

So far I'm enjoying WTS :D

...
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Ben.Z

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#28

01-08-2007, 01:02 PM

For those that are asleep at the wheel, or never saw this thread...... BUMP!

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#29

01-09-2007, 01:13 AM

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Ben.Z

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#30

01-11-2007, 09:19 AM

Come by our booth in Vegas and we'll give you a "what's up" on the happenings in the ACH processing industry for the upcoming year!

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Ben.Z

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#31

04-05-2007, 09:35 AM

For those that were paying attention to our "Heads Up" back in late Dec and actually ACTED on it..... congrats! You are in a much better position than those that heard, but did NOTHING! ;-)

Big changes are being proposed for ACH processing, which could be imposed by Sept of this year! More detailed info to come early next week...

Don't get caught with your pants down.... open up an account with WTS today!

WTS....... "Ahead of the Competition and Behind Your Business!"

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