The Disallow Checks/ACH setting lets you flag accounts with a history of bad check writing. Flagged customer accounts will not be allowed to make ACH payments through Desktop Client, Customer Care, and OnlineBill. For these customers, only guaranteed funds will be allowed for payments (i.e. cash or approved credit card transactions). This can help reduce returned check fees.
Notes:
Identifying bad check writers is a manual process per your specific criteria.
This setting is also available in Desktop Client. Setting it in either application flags the account in both applications.
In Customer Care you can restrict which users can toggle this setting on a Group basis through Customer Field Settings.
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To restrict/grant access to this setting in Customer Care, add the Disallow Checks/ACH setting to the Customer Field Configuration, and then specify which Groups should be restricted.
Navigate to Customer Field Configuration
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Add the Disallow Checks/ACH field.
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Select the Group(s) to be restricted.
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Result
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The Disallow Checks/ACH setting is available on the Account Details page under Basic Information when you choose to edit the account.
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Note
When the Disallow Checks/ACH setting is toggled, the action, including the user, is logged in Audit Log.
Once a customer account is flagged, any active E-Pay bank accounts will be deactivated and those customer accounts will be prevented from creating new ACH E-Pay accounts. Also, those deactivated E-Pay accounts cannot be reactivated while the customer account is flagged, and ACH E-Pay accounts that are non-recurring cannot be changed to recurring.
Restrictions in Customer Care
Flagged accounts will display an alert that lets users know why they are unable to perform check/ACH activities.
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All ACH accounts are deactivated. The action buttons for reactivating and making payments are hidden as long as the account is flagged. Also for flagged accounts:
CSRs will not be able to create new E-Pay bank accounts.
If the ACH E-Pay account was the only recurring E-Pay account, it will no longer have invoice charges automatically processed. The customer will have to manually make their monthly invoice payment or add a new approved recurring E-Pay account.
CSRs will not be permitted to resubmit ACH E-Pay transaction for flagged accounts. This is prevented in bulk from the E-Pay transaction search screen as well as on the specific E-Pay account transactions for the account.
Note
If Disallow Check/ACH status is removed on the account (checkbox un-checked), action buttons for reactivating and making payments are restored; however, the ACH E-Pay accounts will not automatically re-activate. Users will need to manually reactivate them.
Restrictions in Desktop Client - POS
In POS, when working with flagged accounts, customer service representatives (CSRs) will be unable to tender any transactions with the base tender type IDs of 4 (check) and 15 (e-check). Those tender types will not display in the tender screen so users won’t be able to select them by accident. Also CSRs will not be able to create new E-Pay bank accounts.
Restrictions in Desktop Client - Customer Management
Flagged accounts will display an alert that lets users know why they are unable to perform check/ACH activities.
All ACH accounts are deactivated and cannot be re-activated while the account is flagged. Also for flagged accounts:
CSRs will not be able to create new E-Pay bank accounts.
If the ACH E-Pay account was the only recurring E-Pay account, it will no longer have invoice charges automatically processed. The customer will have to manually make their monthly invoice payment or add a new approved recurring E-Pay account.
CSRs will not be permitted to resubmit ACH E-Pay transactions for flagged accounts. This is prevented in bulk from the E-Pay transaction search screen as well as on the specific E-Pay account transactions for the account.
Note
If Disallow Check/ACH status is removed on the account (checkbox un-checked), the ACH E-Pay accounts will not automatically re-activate. Users will need to manually reactivate them.
Restrictions for OnlineBill Users
Flagged customers with OnlineBill accounts will be unable to:
create new E-Pay bank accounts.
activate a deactivated E-Pay bank account.
make a one time ACH payment with or without an ACH E-Pay account.
change a non-recurring ACH E-Pay account to recurring.
Note
The user experience for accounts with Disallow Checks/ACH status will vary based on the configured Payment Provider. Different providers allow for varying levels of control. For some providers the IDI platform can hide related controls in the iFrame to prevent ACH actions, while for other providers the IDI platform must allow the controls to be displayed in the iFrame. In this case, users will be permitted to attempt ACH actions and then be shown an error indicating why the action cannot be completed.