Automated Clearing House (ACH) and Real-time payments

ACH Payment Services offers you a fast way to send one-time or repeating ACH payments with as little as one-day settlement using our secure systems. You can set up one payee or several at a time for easy payment scheduling. Any payments you schedule by 8 PM ET will credit to the payee’s account in as little as the next business day. 

 

To set up and activate ACH Payment Services, you must be enrolled in Chase Business Online. Once you’re able to sign in to Chase Business Online, follow these steps to start using ACH payment Services:

1. Choose “Pay & Transfer” at the top of the page.
2. Choose “ACH Payment Services” (in the top navigation).
3. We may require additional information before you can enroll in ACH Payment Services. Please contact your banker (if prompted).
4. Choose to accept the legal agreement and confirm your billing account.
5. We’ll send you a message to confirm that your activation is complete.
6. Choose “Add Payee” to begin adding payees, or choose “Close” to return to your account information.

ACH Payment Services allows you to pay your vendors or employees. To add a payee, you’ll need that payee’s bank account number and routing number. If you don’t know the routing number, you can look it up using the Federal Reserve E-payments Routing Directory on the “Add ACH Payee” page. You can set up a single payee or add up to 100 payees at once by uploading a file containing your payees’ information.

 

To add a single payee, follow these steps:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Manage payees” (in the menu bar).
4. Choose “Add a vendor or employee” (from the left column links).
5. You may be asked to provide an activation code.
6. Choose the type of payee (vendor or employee).
7. Complete the required fields.
8. Accept the default selection of “No group” if you’re not adding your payee to a group. If you’re adding your payee to a group, either choose an existing group from the drop-down list or create a new one. When creating a new group, type the name of the group you want to create in the space provided.
9. Choose “Save” to continue.
10. Verify the information you’ve entered is correct and choose “Add Employee or Payee.”
11. We’ll send you a message to confirm that your payee has been added.
12. Choose “Add a payee” to continue building your list of payees.

 

To add multiple payees (up to 100), you must first create a CSV file and then follow these steps: Note: we strongly recommend you download the sample file and review the Help and Support content before creating a CSV file.

1. Choose “Pay & transfer” at the top of the page.
2. Choose the “ACH Payment Services.”
3. Choose “Manage Payees” (in the menu bar).
4. Choose “Add a vendor or employee” (from the left column links).
5. You may be asked to provide an activation code.
6. Choose “Import list of employees or vendors.”
7. Ensure that your CSV file is formatted correctly. You can see a sample file by choosing the “Download a Sample File” link on the page.
8. Choose “Browse” to locate the file you want to upload.
9. Choose “Import.”
10. Review and confirm the accuracy of the information from your CSV file.
11. Choose “Import” to upload your payees.

 

Your file should contain one row for each payee with the payee information field values separated by commas. Column header row is required. The Payee information fields must be listed in the following order for the payee upload to be successful:

 

Vendor: VendorName, VendorNickname, BankAccountType, BankRoutingNumber, BankAccountNumber, PersonalBusiness, PrimaryPayFromAccount, Group, GroupDescription

 

Employee: EmployeeName, EmployeeNickname, EmployeeID, BankAccountType, BankRoutingNumber, BankAccountNumber, PrimaryPayFromAccount, Group, GroupDescription

 

Be sure to provide a value for each field. We require all fields except “Group.” We also require the full Chase account number (the primary account you want to make the payments from). You must format each field correctly for your file to be processed.

 

To add a group:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Manage payees” (in the menu bar).
4. Choose “Add a Group” (from the left column links).
5. Choose the type of Group (vendor or employee).
6. Complete the required fields (Group name).
7. You can also add Payees to the Group. The system will only show you eligible payees for the group type.
8. To add payees to the group, choose the checkbox next to the payee name.
9. Choose “Save” to continue.

The ACH payment status terms are defined as follows:

• Canceled: At your request, we canceled your payment and won’t process it.
• Completed: Your payment went through successfully.
• Declined: An authorized user declined this payment.
• Suspended: This payment is under review. For more information, please contact us.
• Failed: We weren’t able to complete your payment.
• Funded: We’ve withdrawn money from your account to make this payment.
• Funding failed: We weren’t able to withdraw money for this payment on three consecutive business days. We’ve canceled this transaction.
• Funds needed: We’re trying to make your payment but you don’t have enough money in your account to cover it. We’ll try to withdraw the money for three consecutive business days. Please make sure you have enough money to cover the payment or we’ll have to cancel it.
• In process: We’re processing your payment, so it’s too late to change or cancel it. Check your status again after the deliver-by date for more information.
• Paid: We’ve completed your payment. If your payee didn’t get your payment, use our online proof of payment.
• Pending: You have one or more pending payments scheduled.
• Pending approval: An authorized user needs to approve this payment before we can send it.
• Pending review: We’re reviewing your payment, and we’ll let you know if it needs attention.
• Rejected: We didn’t approve this payment.
• Returned: Your payment was returned to us.
• Reversal completed: The reversal for this payment was completed; you should see the refunded payment amount credited to your account within three business days.
• Reversal failed: The reversal for this payment was unable to be completed. This typically occurs when a payee does not accept reversals.
• Reversal initiated: As requested, a reversal for this electronic payment has been initiated on your behalf.
• Sent: We’ve sent your payment either electronically or by mail. Your payee hasn’t necessarily received it yet. Although electronic payments and paper checks arrive on the deliver-by date, paper checks often take a few extra days for your payee to process.

 

Note: You can contact us to request a reversal if your payment status is In Process or Paid. To find the appropriate number to call us at, choose “Contact Us” on chase.com or go to your Secure Message Center in Chase Online to send us an email.

ACH (Automated Clearing House) is one of the largest electronic transaction networks in the U.S. ACH successfully processes large volumes of both credit and debit transactions every day.

 

With ACH Payment Services, you can also:

• Pay your vendors or employees with one service
• Add payees one at a time or by uploading a list
• Create groups of payees to make scheduling and tracking easier to manage
• Schedule one time or repeating payments
• Enter transactions before 8 PM Eastern time to begin processing on the same day and settle in one to two business days
• First 10 Standard ACH payments per month are $2.50 each, any additional payments are only $0.15 each

To schedule a one-time ACH payment, sign in to Chase Business Online and follow these steps:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Check an individual payee or group you’d like to pay. If you choose a group, you can uncheck payees within that group. Note: if the payee is not listed, you can navigate to the “Manage Payees” page to search for a specific payee.
4. Choose “Schedule payments” (in the menu bar).
5. Complete the required fields: Pay from account, Enter deliver by date (send on date will be automatically determined), Enter the amount
6. Expand each payee to enter a note in the “Addenda field.”
7. Verify that your payment information is correct, then choose “Next.”
8. Verify your payment information, and choose to confirm the payment.
9. We’ll send a message to confirm you’ve scheduled your payment.

 

To schedule a repeating ACH payment, sign in to Chase Business Online and follow these steps:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Manage Payees” (in the menu bar).
4. Choose the payee.
5. Choose “Schedule a repeating payment” to continue.
6. Choose the Payee (if not already chosen) in the drop-down list.
7. Enter the payment amount.
8. Choose the payment frequency from the drop-down list and enter the number of payments or check the box for unlimited number of payments. Choose “Next.”
9. Verify that your payment information is correct and choose “Make Payment.”
10. We’ll send a message to confirm you’ve scheduled your payments.

To cancel a one-time ACH payment, sign in to Chase Business Online and follow these steps:

1. Choose “Pay & Transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Payment activity” (in the menu bar).
4. Search for the payment you would like to cancel.
5. Choose “Cancel” from the Actions column for the payment you want to cancel.
6. Confirm the payment you want to cancel.
7. We’ll send you a message to confirm you’ve canceled your payment.

 

To cancel a repeating ACH payment, sign in to Chase Business Online and follow these steps:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Payment activity” (in the menu bar).
4. Choose “Repeating ACH payments” (from the left column links).
5. Search for the repeating series.
6. Choose “Cancel” from the Actions column for the series you want to cancel.
7. On the Cancel ACH Payment page, choose “to cancel the next payment” or “the entire payment series.”
8. Choose “Next.”
9. We’ll send you a message to confirm we’ve made the changes you requested.

You can review and update your payee information anytime from the “Manage Payees” page, by signing in to Chase Business Online and following these steps:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Manage payees” (in the menu bar).
4. Search for the payee (from the left navigation).
5. Choose the area of the payee that you want to update.
6. Choose “Save” when done.

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Manage payees” (in the menu bar).
4. Search for the payee (from the left navigation).
5. Choose “Delete payee.”
6. Choose “Save” when done.

 

Please note that you cannot delete payees if they have repeating or pending payments. You must first cancel the repeating or pending payments and then you’ll be able to delete the payee.

You can go to the ACH Payment Services > Payment activity page anytime to access and review your payment history from the last 13 months. Different viewing options are available, including “sort” and “show me,” to allow you to see the information you need.

 

To see details of/change/cancel an ACH payment, sign in to Chase Business Online and follow these steps:

1. Choose “Pay & transfer” at the top of the page.
2. Choose “ACH Payment Services.”
3. Choose “Payment activity” (in the menu bar).
4. To filter and customize your Payment activity view, choose the “Filter by” drop down menu filter by:

• Date range
• Pay to
• Frequency
• Pay from
• Group
• Status
• One time payments (vendors or employees)
• Repeating payments (vendors or employees)