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ACH (Auto-Draft / Checks) Processing

ACH (Automated Clearing House) (auto-drafts, bank drafts, or e-checks) allows you to take electronic payments directly from a client's bank account. This is often preferred for recurring monthly memberships due to lower transaction fees compared to credit cards.

In This Article

Who can use this feature?

  • Pike13 Plans: ✅Premium, ✅Advanced, ✅Essential
  • User Roles: ✅Primary Owner, ❌Owner, ❌Manager, ❌Staff, ❌Limited Staff

Enable ACH Processing

Before you can accept bank drafts, the feature must be active on your account.

  1. Contact your Merchant Processor:

    1. You must first apply for ACH processing directly with your payment provider (e.g., NMI, Stripe, etc.). They will advise you on rates and activate the service on their end.

  2. Verify settings in Pike13:

    1. At the top of any Pike13 page, click Settings, then click Advanced Settings.

    2. In the Checkout section, click Accepted Payments.

    3. Find ACH in the list.

      1. If you have already been approved to use ACH by your processor but do not see this option, please contact help@pike13.com.

    4. Toggle the switch On (green) to enable ACH or Off (gray) to disable ACH.

    5. Click Save.

Entering Client Bank Info

Once enabled, staff can add bank details to a client's profile.

  1. At the top of any Pike13 page, click on Clients.

  2. Search for and select the client you wish to view.

  3. Click Payment Methods.

  4. Click Add New Bank Account.

  5. Enter the following details:

    1. Bank name

    2. Routing number

    3. Account number

    4. Account type: Checking or Savings

    5. Account holder type: Personal or Business

    6. Billing address

  6. Click Save.

Important: Staff-Only Entry

For security reasons, clients cannot add or edit their own bank account info in their online profile unless your business has a Stripe integration. Bank details must always be collected and entered manually by a staff member through the Pike13 interface.

Regional Differences

Canadian Customers

Canadian account numbers require a specific format to match the 9-digit US Routing Number standard.

  • Format: 0 + Institution Number (3 digits) + Branch Number (5 digits)

  • Note: These fields appear in reverse order on physical Canadian checks. You may need to add a leading zero to reach the required 9 digits.

     

Australian Customers (IntegraPay/Payrix)

  • Status Sync: When an ACH invoice is processed, Pike13 immediately marks it as Closed/Paid.

  • Failures: If IntegraPay declines the transaction later, that failure data is not sent back to Pike13 automatically. You must monitor your IntegraPay dashboard to identify failed payments and manually reopen/adjust the invoice in Pike13.

ACH Transaction Statuses

Unlike credit cards, which approve or decline instantly, ACH takes time to clear. 

  • Immediate Closure: When you process an ACH payment, Pike13 assumes success and immediately moves the invoice to Closed status.

  • Failures: If the bank rejects the draft (e.g., insufficient funds) days later, the invoice will typically reopen automatically to show an unpaid balance.

    • Warning: If the invoice was manually canceled before the failure notice came back, it will remain canceled and cannot be reopened.