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Streamlining EFT/ACH Transactions with Real-Time Validation

Published 11/7/24

InvoiceCloud works hand in hand with Certegy Payment Solutions. Certegy is an ACH validation tool that checks and confirms the validity of bank account details before they’re sent over to the payment processor. Think of it as a gatekeeper that ensures the bank information is correct before the payment process begins.

In essence, Certegy screens Electronic Funds Transfer (EFT) or Automated Clearing House (ACH) payment methods in real time. It warns InvoiceCloud if there’s a high chance of a transaction failing. This information comes directly from financial institutions, not from InvoiceCloud or you, the biller. By doing this, Certegy helps prevent transactions that might result in EFT/ACH Rejects. It’s important to note that Certegy is used only for EFT/ACH transactions, not for debit or credit card transactions.

Now, you might be wondering why a payment would be denied.

Certegy maintains a list of bank account and routing numbers that have been flagged in the past due to various reasons. These could include wrong account details, past instances of insufficient funds, closed bank accounts, or suspected fraudulent activities. If Certegy flags either your payer’s bank routing number or account number, the payer may see an error message. This simply means there’s something about their bank details that needs to be addressed before the transaction can proceed.

Example error message that appears right in the payment window:

Common Response Codes
A payer may see one of these error codes on the “Please enter your bank information” page:

Code 09 Message: Banking information provided could not be validated.  Please re-enter or resubmit with a different payment method.

Code 22 Message: Banking information provided is restricted (unable to process as an ACH/EFT payment).  Please resubmit with a different payment method or contact your Financial Institution to confirm ACH/EFT eligibility.

Code 07 Message: Based on information obtained from Certegy Payment Solutions, an authentication and risk management service provider, payments made with this bank account will not be accepted.  Please enter a different payment method or click the following message appears.

How should I advise my customer/payer?

  • Use a different payment method.
  • Contact the main branch of their financial institution to confirm that they are using the correct routing and bank account numbers.
  • Contact Certegy at 1-844-697-1180.