Non 3rd party ACH processing - GoFuckYourself.com

[Labret] · 09-02-2003, 06:09 PM

Is it do-able?

Is there any way to get setup to process ACH without going through one of these third party processors?

dirtyone · 09-02-2003, 07:13 PM

No drama = No reply

People expect it from you.

Consider this a gift from me... Bump

NetRodent · 09-02-2003, 07:37 PM

I've never really investigated this, but I don't see why it wouldn't be possible. Talk to your bank.

Years ago, my wife took a magazine subscription over the phone from some shady company and gave them our checking account info. Instead of billing us, they wrote "tele-checks" against our account. If I recall correctly they were pretty normal looking checks, except they were unsigned and had some verbage about taped voice authorization.

[Labret] · 09-02-2003, 08:01 PM

Yeah, I had a friend a few years ago who in addition to IBill, was taking checks. He was simply taking the routing info and account info and crap from a form on the website and literally printing up the drafts and cashing them. Bank was all confused at first when he would walk in with a few hundred checks for 9.95 that he had printed himself, but once he explained it they were all good. I know that is not ACH however.

I am guessing to get plugged into the ACH system is similar to getting a merchant account, but Ill be damned if I can find anything online about it. Just a whole lot of people providing third party access to it. And judging from the looks of these outfits, its cant be that hard.

Getting hooked up to the system is one thing (and I dont really want to talk to my bank, I am in podunk Washington now and my ass walking in and wanting to shove smut through their system is not a conversation I am eager to have), integrating it into your website is another.

[Labret] · 09-02-2003, 08:02 PM

Quote:

Originally posted by dirtyone
No drama = No reply

People expect it from you.

Consider this a gift from me... Bump

Sad isnt it. I am a typecast board whore.

Or I dont think it exists. Is any porn site doing their own ACH? Tell me who, I want to talk to them please...

GeXus · 09-02-2003, 08:03 PM

LABRET = MEAT LOVING HOMO

(hope this helps get you some more replys

)

NetRodent · 09-02-2003, 08:13 PM

Quote:

Originally posted by [Labret]
I am guessing to get plugged into the ACH system is similar to getting a merchant account, but Ill be damned if I can find anything online about it. Just a whole lot of people providing third party access to it. And judging from the looks of these outfits, its cant be that hard.

I know we can send ACH payments, never asked about doing ACH debits. I'll ask our accountant tomorrow about that.

RonR · 09-02-2003, 08:13 PM

Labret - you are basically correct in the assumption that in order to participate in the ACH system (without using a 3rd party) you would need to have your bank sponsor or set up a program for you. After signing your life to the fact that you will play by the NACHA rules as they relate to accepting payment, getting consumer authorization, blah,blah . . you will generally need to post a reserve deposit. The amount you deposit then determines how much daily/weekly/monthly limit you are allowed to process through the system. Of course, just like a merchant account, the bank will be all over you if your declines (checks that attempt to process that had bad routing numbers/account numbers) and your returns (i.e. chargebacks) exceed "normal" parameters.

Let me know if you want more details.

R

[Labret] · 09-02-2003, 08:25 PM

Thanks Ron. You as well Rodent

Sounds difficult. Can any bank hook you up, or are there specific banks just as there are specific merchant account banks?

This NACHA, I just looked at their website, what are their feelings on porn?

Can you do ACH offshore?

RonR · 09-02-2003, 09:20 PM

(1) In theory - any bank could set this up for you. The larger banks, Wells, B of A, etc are more receptive - but are more conservative in their underwriting (need strong bus track record, financials, etc). I have seen some smaller banks such as BankNorth out East do these as well as super regionals like US Bank.

(2) They don't look into the issue of what is run through the system so long as it conforms to guidelines, etc

(3) US Bank = US ACH. Offshore banks can do Direct Debit (ACH) with consumers in other countries, i.e. the EU but depending on the country, bank regs may require that you get a signed "mandate" from consumer before debiting account. Offshore banks can't process US consumer accounts

Kimmykim · 09-02-2003, 10:28 PM

You might consider talking to Telecheck as well, FDR is bound to have a product that will do this, and they don't mind adult.

Kimmykim · 09-02-2003, 10:30 PM

http://www.telecheck.com/wwwtelechec...922,17,00.html

goBigtime · 09-02-2003, 10:54 PM

Quote:

Originally posted by [Labret]
Is it do-able?

Is there any way to get setup to process ACH without going through one of these third party processors?

Contact someone from achchex.com by phone.

Fees are damn near nothing (by comparison), but it's still basically 3rd party.

I think most 3rd party adult ACH companies are acutally 4th party and use a mainstream 3rd party ACH gateway anyway.

Going "direct" with ACH requires a few hoops to be jumped through in order to get hooked up directly to the FRB/ACH. Not worth it when there are sooo many 3rd party ACH gateways out there who's fees are peanuts.

Honeyslut · 09-02-2003, 10:59 PM

Quote:

Originally posted by GeXus
LABRET = MEAT LOVING HOMO

(hope this helps get you some more replys )

Labret gets my MAN panties wet

rastakit · 09-02-2003, 11:18 PM

Quote:

Originally posted by [Labret]
Thanks Ron. You as well Rodent

Sounds difficult. Can any bank hook you up, or are there specific banks just as there are specific merchant account banks?

This NACHA, I just looked at their website, what are their feelings on porn?

Can you do ACH offshore?

Lab--
We set up third-party processors with ACH solutions...and it's a major pain, let me tell you. Most legit banks do not want adult trans, do want a large reserve and require strict financials as well as NACHA compliance...

MUCH easier to simply add Electra's or Paycom's product line to your offerings and pay the fees....IMHO...

MikeEP · 09-02-2003, 11:28 PM

Hit me up Labret on icq, 97282074 might have some info that can help.

tony286 · 09-03-2003, 07:29 AM

Spoke to telecheck on the phone a while ago they dont do adult.

sperbonzo · 09-03-2003, 07:37 AM

Yes Labret.....there is a way to do ACH that is NOT third party. We help people with getting there own ACH solutions.....as well as their own merchant accounts, both in the US, the EU and the Far East.
We can also provide gateway and fraudscrubbing technologies and we have recently partnered with a company that can provide you with 24/7 customer service for your customers to help keep your chargebacks down.

Send me an email if you get a chance:

[email protected]

wig · 09-03-2003, 07:44 AM

ACH processing has many variables. The ACH network is very different from the credit card network. Once a credit card is authorized in real-time, the only potential result going forward is a charge-back. With ACH, there is only limited real-time authorization, and everything else is subject to return by the receiving depository financial institution (RDFI).

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently. For instance, many banks do not use the same ABA for the ACH as is printed on a their consumer's checks. Many credit unions (and some other, smaller financial institutions (FI's) use a correspondent bank. And, some FI's do not participate in ACH at all.

Failure to deal with these factors results in a returned check - many times on entries that could have been successful. It is crucial to create and maintain a database of NOC's, bank account to ABA structure (MOD 8, 10, 12); bank account length and structure, non-participating bank discovery and conversion, and ABA substitution to create the best potential conversion ratio for ACH.

Your bank will not do this for you.

There are many banks that hold themselves out as ODFI's, however, the majority of them are "old school". Their systems were designed for PPD transactions and are not equipt to offer you solutions in a non face-to-face environment.

We have integrated into several merchants ODFI's so these merchants could enjoy the benefits of our gateway, front-end tools and other solutions while securing a direct ACH relationship with their existing bank.

It can be an expensive route to go considering the alternatives. Feel free to contact me and I will give you my opinion on what the best way to go is for your application.

09-02-2003, 06:09 PM	#1
[Labret] Registered User Industry Role: Join Date: May 2001 Location: Са́нкт-Петербу́рг Posts: 10,945	Non 3rd party ACH processing Is it do-able? Is there any way to get setup to process ACH without going through one of these third party processors?

09-02-2003, 07:13 PM	#2
dirtyone Confirmed User Join Date: Jun 2002 Location: God's Country (Georgia) Posts: 3,706	No drama = No reply People expect it from you. Consider this a gift from me... Bump Last edited by dirtyone; 09-02-2003 at 07:15 PM..

09-02-2003, 07:37 PM	#3
NetRodent Confirmed User Join Date: Jan 2002 Location: In the walls of your house. Posts: 3,985	I've never really investigated this, but I don't see why it wouldn't be possible. Talk to your bank. Years ago, my wife took a magazine subscription over the phone from some shady company and gave them our checking account info. Instead of billing us, they wrote "tele-checks" against our account. If I recall correctly they were pretty normal looking checks, except they were unsigned and had some verbage about taped voice authorization. __________________ "Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats." --H.L. Mencken

09-02-2003, 08:01 PM	#4
[Labret] Registered User Industry Role: Join Date: May 2001 Location: Са́нкт-Петербу́рг Posts: 10,945	Yeah, I had a friend a few years ago who in addition to IBill, was taking checks. He was simply taking the routing info and account info and crap from a form on the website and literally printing up the drafts and cashing them. Bank was all confused at first when he would walk in with a few hundred checks for 9.95 that he had printed himself, but once he explained it they were all good. I know that is not ACH however. I am guessing to get plugged into the ACH system is similar to getting a merchant account, but Ill be damned if I can find anything online about it. Just a whole lot of people providing third party access to it. And judging from the looks of these outfits, its cant be that hard. Getting hooked up to the system is one thing (and I dont really want to talk to my bank, I am in podunk Washington now and my ass walking in and wanting to shove smut through their system is not a conversation I am eager to have), integrating it into your website is another. Last edited by [Labret]; 09-02-2003 at 08:03 PM..

09-02-2003, 08:03 PM	#6
GeXus Confirmed User Join Date: May 2003 Location: Yo Mommas Pussy Posts: 3,320	LABRET = MEAT LOVING HOMO (hope this helps get you some more replys ) __________________

09-02-2003, 08:13 PM	#8
RonR Registered User Join Date: Aug 2003 Location: Midwest Posts: 5	Labret - you are basically correct in the assumption that in order to participate in the ACH system (without using a 3rd party) you would need to have your bank sponsor or set up a program for you. After signing your life to the fact that you will play by the NACHA rules as they relate to accepting payment, getting consumer authorization, blah,blah . . you will generally need to post a reserve deposit. The amount you deposit then determines how much daily/weekly/monthly limit you are allowed to process through the system. Of course, just like a merchant account, the bank will be all over you if your declines (checks that attempt to process that had bad routing numbers/account numbers) and your returns (i.e. chargebacks) exceed "normal" parameters. Let me know if you want more details. R __________________ It is always the best policy to speak the truth--unless, of course, you are an exceptionally good liar. Jerome K. Jerome

09-02-2003, 08:25 PM	#9
[Labret] Registered User Industry Role: Join Date: May 2001 Location: Са́нкт-Петербу́рг Posts: 10,945	Thanks Ron. You as well Rodent Sounds difficult. Can any bank hook you up, or are there specific banks just as there are specific merchant account banks? This NACHA, I just looked at their website, what are their feelings on porn? Can you do ACH offshore? Last edited by [Labret]; 09-02-2003 at 08:37 PM..

09-02-2003, 09:20 PM	#10
RonR Registered User Join Date: Aug 2003 Location: Midwest Posts: 5	(1) In theory - any bank could set this up for you. The larger banks, Wells, B of A, etc are more receptive - but are more conservative in their underwriting (need strong bus track record, financials, etc). I have seen some smaller banks such as BankNorth out East do these as well as super regionals like US Bank. (2) They don't look into the issue of what is run through the system so long as it conforms to guidelines, etc (3) US Bank = US ACH. Offshore banks can do Direct Debit (ACH) with consumers in other countries, i.e. the EU but depending on the country, bank regs may require that you get a signed "mandate" from consumer before debiting account. Offshore banks can't process US consumer accounts __________________ It is always the best policy to speak the truth--unless, of course, you are an exceptionally good liar. Jerome K. Jerome

09-02-2003, 10:28 PM	#11
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	You might consider talking to Telecheck as well, FDR is bound to have a product that will do this, and they don't mind adult.

09-02-2003, 10:30 PM	#12
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	http://www.telecheck.com/wwwtelechec...922,17,00.html

09-02-2003, 11:28 PM	#16
MikeEP Confirmed User Join Date: Jan 2002 Location: Southern California Posts: 464	Hit me up Labret on icq, 97282074 might have some info that can help.

09-03-2003, 07:29 AM	#17
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	Spoke to telecheck on the phone a while ago they dont do adult.

09-03-2003, 07:37 AM	#18
sperbonzo I'd rather be on my boat. Industry Role: Join Date: May 2003 Location: Miami, FL Posts: 9,748	Yes Labret.....there is a way to do ACH that is NOT third party. We help people with getting there own ACH solutions.....as well as their own merchant accounts, both in the US, the EU and the Far East. We can also provide gateway and fraudscrubbing technologies and we have recently partnered with a company that can provide you with 24/7 customer service for your customers to help keep your chargebacks down. Send me an email if you get a chance: [email protected]

09-03-2003, 07:44 AM	#19
wig Confirmed User Join Date: Feb 2002 Location: Panama Posts: 708	ACH processing has many variables. The ACH network is very different from the credit card network. Once a credit card is authorized in real-time, the only potential result going forward is a charge-back. With ACH, there is only limited real-time authorization, and everything else is subject to return by the receiving depository financial institution (RDFI). Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently. For instance, many banks do not use the same ABA for the ACH as is printed on a their consumer's checks. Many credit unions (and some other, smaller financial institutions (FI's) use a correspondent bank. And, some FI's do not participate in ACH at all. Failure to deal with these factors results in a returned check - many times on entries that could have been successful. It is crucial to create and maintain a database of NOC's, bank account to ABA structure (MOD 8, 10, 12); bank account length and structure, non-participating bank discovery and conversion, and ABA substitution to create the best potential conversion ratio for ACH. Your bank will not do this for you. There are many banks that hold themselves out as ODFI's, however, the majority of them are "old school". Their systems were designed for PPD transactions and are not equipt to offer you solutions in a non face-to-face environment. We have integrated into several merchants ODFI's so these merchants could enjoy the benefits of our gateway, front-end tools and other solutions while securing a direct ACH relationship with their existing bank. It can be an expensive route to go considering the alternatives. Feel free to contact me and I will give you my opinion on what the best way to go is for your application. __________________ Credit Card and ACH Processing