unlocking the secrets of ach origination and processing

36 Pages·2012·2.65 MB·English

UNLOCKING THE SECRETS OF ACH
ORIGINATION AND PROCESSING

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Unlocking the Secrets of ACH Origination
and Processing
Kevin Moland, Senior Product Manager
David McDaniel, Senior Product Manager
July 10, 2012
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©2011 Jack Henry & Associates, Inc. All Rights Reserved.
Agenda
• Introduction and Welcome
• Acquiring ACH Transactions (ACH Client)
– Tailor ACH online services to meet each originator’s needs
– Provide a wide array of transaction management tools
– Offer unparalleled ACH security options
• Processing ACH Transactions (ACH Manager)
– Grow your ACH business without burdening staff
– Industry-leading exception processing and research tools
– Protect your FI and your customers against risk
• Q & A

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©2011 Jack Henry & Associates, Inc. All Rights Reserved.
ACH Client/RDX – A Combined Solution
Transaction Types
• ACH Client supports:
– Direct deposit of payroll, direct billing, and other prearranged
payments/deposits (PPD)
– Business-to-business payments and corporate transfers
(CCD, CCD+, CTX*)
– Electronically authorized pmts (TEL, WEB)
– Check conversion (ARC, BOC, POP, RCK)
– International payments (IAT)
– Other payment types (ENR, CIE)
Categories
• ACH Client is tailored for each originator by creating
categories that act as independent transaction “buckets”
• Additional configuration settings can be controlled by
the FI or, if the FI
allows it, by the
business themselves
• Categories can be
created from scratch
or copied from
existing templates
Categories and User Security
• User authorities are established independently for each
category, providing a very flexible security model
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©2011 Jack Henry & Associates, Inc. All Rights Reserved.
The User Experience
• Users don’t have to understand concepts like SEC
codes or batches because ACH Client does that work
for them!
• Users see only the categories they have authority to use
• Users can set their own “home page” within the
application, allowing them to always land on the page
where they do most of their work
• ACH Client supports both English and Spanish,
including full translation of all screen elements,
warning/error messages, reports, help and e-mail alerts

Acquiring Transactions
• ACH Client allows users to
produce ACH transactions
from any of these sources:
– NACHA-formatted ACH files
– Fixed-length/delimited files
– User-entered templates
– Scanned checks conversion
– Web service calls through EPS
• Within ACH Client, users can quickly and easily create
translation maps for proprietary file formats
• Fixed-length or delimited files may also be used to
update user-entered transaction templates