Documentation Series

Learn About VISP App Dashboard

Help Documentations / Subscriber / Process NACHA Payments

Process NACHA Payments

Does your bank support NACHA?

It’s a quick, secure, and reliable payment gateway through the National Automated Clearing House Association (NACHA) network. Why process your customers’ eCheck payments via NACHA?

  1. low transaction fees (contact your bank),
  2. quick processing times,
  3. streamline your disbursement process.

Contact your bank today and find out if you can submit and process eCheck payments via NACHA.

VISP now supports the processing of eCheck payments via NACHA. This is a quick, secure, and reliable payment gateway that is processed through the National Automated Clearing House Association (NACHA) network. A few of the advantages of processing your customers’ eCheck payments via NACHA are the low transaction fees, quick processing times, and zero chargebacks.

Activate the NACHA Payment Gateway

Process NACHA Payments

To activate and set NACHA as a default option for processing eCheck payments, do the following

  1. Open the Menu
  2. Click on the Billing tab
  3. Select Payments
  4. Next, select the Payment Gateways tab
  5. Click on NACHA.
  6. To activate NACHA, provide the necessary information on the available fields. Consult with your bank for the details:
    1. Immediate Destination Routing Number
    2. Immediate Destination Name (Bank Name)
    3. Immediate Origin Routing Number
    4. Immediate Origin Name
    5. Company Name
    6. Company Entry Description (Batch header)
    7. Company ID Number (Batch header)
    8. NACHA File Type
    9. Bank Account Number (Offset Entry)
    10. Account Type (Offset Entry)
    11. Routing Number (Offset Entry)
    12. Description (Offset Entry)
  7. Toggle “Active” if you want to enable and use the NACHA payment gateway.
  8. Toggle the Default for eCheck option if you want NACHA to be the primary gateway when processing echeck payments.
  9. Toggle “Notify when daily manual payments are posted” and click on the Notify field. Add the name and email of the user or group you want to notify when any eCheck payments are posted.
  10. Save your work when done.


Setup NACHA for eCheck Customers

After you enable and configure NACHA, go back to your subscriber list. Select a subscriber who currently pays or plans to pay via echeck, and make the following changes:

      1. Click and open the subscriber’s profile.
      2. Go to the Payments tab
      3. Select the Payment Options tab
      4. Under Payment Method, select eCheck
      5. Next, right below the payment method, click on the blue highlighted text and select NACHA (ISP Default) from the dropdown. The full text should now read, “Use NACHA (ISP Default) when processing eCheck payments for this subscriber.”
      6. After selecting NACHA, a pop-up may appear, containing this message: “The subscriber will be notified that they have to re-enter their account information because the selected payment gateway does not have the needed account information.”
        • If you click on I understand, any saved payment information will be removed, and you will have to re-enter the payment details for the new gateway.
        • If you select Cancel, any current payment information will be retained.
      7. If it is the customer’s first time to pay via echeck and process their payments via NACHA, you have to enter the following: 
        • Routing Number
        • Account Number
        • Account Type
          • Savings
          • Checking
        • You may also inform the customer to log in via their account manager to update their Payment Information to echeck and provide their routing and account numbers.
      8. However, if the customer has an existing echeck account that was previously processed from a different payment gateway, then switching to NACHA will require the re-entry of the echeck information.
        • Send a notification to the customer via email or SMS, informing them that their payment gateway has changed and that they can log in via their account manager to update their payment information, by selecting echeck and providing their routing and account numbers.

Process echeck payments via NACHA

NACHA Gateway In VISP Via Account Manager
Process Manual Payments
Activate and Use Autopay


You can manually process one-time payments from within VISP or use autopay with NACHA. Your customers can also log in via their account manager to process one-time payments or enable autopay processing for their accounts.

Via VISP App

Via Account Portal

After you process a one-time or automated payment for a customer, the eCheck subscribers via NACHA (Date Bound) report found in Reports > Billing should populate with the customers’ profile, account information, and payment amount.

Generate the NACHA report

To generate the NACHA report, do the following steps:

Go to the Menu > Reports > Billing > eCheck subscribers via NACHA (Date Bound)

Set the date or date range of the customer payments you want to collect. Next, reload the report to update the data.

You will see your list of customers with NACHA as their payment method. Click on the Generate NACHA Files button beside Reload, on the upper-right side of the screen. The generated zip file contains a txt file that you can send to the bank for processing the e-check payments.

If a customer account were included in a previous NACHA report that was sent to the bank, the Processed column would display Yes.

Successful Processing, Failures, and Errors.

When you receive feedback from the bank on the successful and failed transactions, you can update the subscriber accounts accordingly. See the refund and reversal steps below:

Refund Process

– For scenarios where a double payment or excess payment has occured due to clerical or user error.


  1.  Inform the customer that if the amount is not yet in the transaction list, a credit will be added to reflect the double charge. The credit balance will be applied to future charges or invoices generated by the system.
  2. If the customer wants a refund, the following steps can be done:
  1. If the excess payment has not been added to the transaction list yet, then do so.
  2. Create a new invoice and add a custom item for a refund. Specify in the description that the invoice reduces the excess amount or payment in the customer’s account.
  3. Ensure that the newly created invoice is associated with the payment item in the transaction list containing the excess amount or payment.

    Reversal Process

    – For scenarios where the payment was not processed by the bank due to insufficient funds, an invalid account number, or a bank error.


  1. Inform the customer via email or SMS that their transaction is declined due to insufficient funds or other errors. If the ISP policy does not include an option to retry the echeck account, the customer will be notified to use a different payment method. Otherwise, the outstanding bill will be carried over to the next billing cycle, or the account will be automatically suspended.
  2. If the customer is unable to pay the outstanding bill using an alternative payment method, the following steps can be done:
  1. Create a new invoice, and add a reversal item to specify that the full amount was declined.
  2.  Associate or distribute the Payment to that invoice.
  3. The effect of this action restores the original balance due on the account.
  4. If the customer does not pay the bill, their account may get suspended.

1. Enable Email Notification for New Signups

You can get notifications emailed to you or your team when a new subscriber signs up for service. This is an internal message only, and cannot be edited. To access the feature, Main Menu > My Visp. In the My Visp panel, click on the pencil icon in the Primary…

2. Send Text Messages (SMS)

Create a Twilio Account The Short-Messaging-Service (SMS) feature in VISP allows you to send text messages to your customers, technicians or vendors. To set this up, you must first create a Twilio account. Go to https://www.twilio.com/try-twilio and register, or login…

3. Send to VISP Print House Automatically

You can now schedule invoices to be sent to the VISP Print house for printing. The VISP print house handles sending paper invoices to your subscribers. To enable the setting, go to the Main Menu > Invoicing. Click on Paper Invoice. Under Print House Schedule, put a…

4. Deleting a Subscriber

For UBO or desktop (Java) version, refer to this link. Note that deleting a subscriber means cutting his or her entire account from VISP, so he or she will not be able to access any of your services at all. We advise that you consider a ‘grace period’ before deleting…

5. Send a Mass Email

For UBO or desktop (Java) version, refer to this link. The Mass Email feature allows you to select a list of subscribers and send an email to them all at once. Here is how you schedule a mass email: Open the subscriber’s list. Click on the hamburger menu and select…

6. Scheduled and Triggered Emails

A scheduled email is a message that goes out to your subscribers on a specified date and time. A trigger, on the other hand, is sent when a specific event or action happens, (e.g., when a subscriber’s credit card is expired.). To open the feature where you can select…

7. Attach Files to Emails

If you need to send an email to a particular subscriber and attach files to it, you can do it directly within VISP. If you’re sending a mass email, click on the hamburger menu in the subscriber’s list and select Email this list. Once the email editor is open, you’ll…

8. Filters

For UBO or desktop (Java) version, refer to this link. If you are keeping track of or performing the same set of operations to a specific list of subscribers, the saved filters will be a convenient way to handle them. To add or edit your subscriber’s filters in VISP,…

9. Add Prospects or Subscribers

To add a new subscriber, simply click on the plus sign on the upper-right corner of the page and select Prospect or Subscriber once and you’ll be redirected to the mapping category or interface. Do the following: First, fill out all the information on the page….

10. Allow Customers to Create Their Passwords

For PCI compliance customers are given the ability to create a password for their account when they are first added to the system. When a new user is added to VISP, a password reset link is sent to the customer’s email address so that the customer can create a…

11. SMS Auto–Responder

The auto-responder feature allows you to create and present a user-friendly self-service menu for your customers who communicate via text or SMS. This feature allows your customers to get more information, list tickets, do essential account management, and access…

12. Portal Alerts or Notifications

You can now display alerts or messages on your subscribers’ portal. To enable the feature, and post an alert or message, follow these steps: Go to the Menu Click on the CRM tab Go to Message Templates Select the Customer Portal Message option. Select a template from…

13. Add Customers to VISP

There are two common ways to enter customer information in VISP By manually entering the customer information or Using the signup form. Let’s first discuss manually adding customer information to the VISP software. Click on the plus sign + in the upper-right corner of…

14. Process NACHA Payments

Does your bank support NACHA? It’s a quick, secure, and reliable payment gateway through the National Automated Clearing House Association (NACHA) network. Why process your customers’ eCheck payments via NACHA? low transaction fees (contact your bank), quick…

15. Add a New Filter

Add a New Filter – Visp Documentation To add a new filter in VISP, do the following: Go to your Subscriber’s list. Click on the search bar, and hit New Filter. In the first field, identify the source of the data. In the second field, identify the operator….

16. Create and Customize a Filter

To add a new filter in VISP, do the following: Go to your Subscriber’s list. Click on the search bar, and hit New Filter. In the first field, identify the source of the data. In the second field, identify the operator. Lastly, enter the value or criteria you want to…

17. Mass Email Editor

How to Open Mass Email Editor To send a mass email with the use of Filters, first launch your Mass Email Tool. Go to the Menu Click on the CRM tab Go to Message Templates Email Delivery and Automation There are two types of email delivery in VISP, and you can…