Transaction Information fields

• ACH Account — the vendor/funding account the money moves through.
• Transaction Type — Debit (pull from client) or Credit (pay client).
• Amount — the dollar value of the transfer.
• Effective Date — the settlement date (defaults to the next business day).
• Transaction description — a label that appears in reports and on the statement.
• Upload Proof of Authorization — attach the signed authorization file for the debit.
• Prefill from POA — auto-fill fields from an authorization on file.
• Repeat — toggle One Time or Recurring.

Bank and Client Information fields

• Bank Account — pick a saved account or “Select or Create New” to enter one.
• Client name — the receiver’s name; tick whether it is a business account (required).
• Account type — Savings or Checking.
• Routing / Account / Confirm Account Number — the client’s bank details.
• Save client & bank info — store these details for next time.

What is the difference between a debit and a credit?

A debit pulls money from the client’s bank account into yours (for example, collecting a payment). A credit pushes money from your account to the client’s (for example, issuing a refund or payout). You choose this with the Transaction Type dropdown. ACH debits must be authorized under the NACHA Operating Rules.

How to create a one-time ACH transaction

• Select the ACH Account and Transaction Type.
• Enter the Amount and an optional description.
• Click Choose File to upload proof of authorization if required.
• Leave Repeat on One Time.
• Pick a saved Bank Account, or enter the client name, account type, routing and account numbers.
• Click Create ACH Transaction to submit.

To schedule the transfer instead, switch Repeat to Recurring — see how to set up recurring ACH payments. Pre-save the receiver first by learning to add a client in Go ACH, then review activity in the Go ACH transaction report.

Frequently asked questions