Payment Destinations define how payments are processed in ACE and contain the configuration required for the selected payment provider.
The fields and options available when configuring a Payment Destination vary based on the selected Payment Gateway. Some settings apply to all Payment Destinations, while others are specific to credit card, ACH, or other payment gateways.
Adding a Payment Destination
Go to Setup → Transactions → Payment Destinations.
Click New to create a Payment Destination, or select an existing Payment Destination to modify it.
Complete the applicable fields.
Configure the settings required for the selected Payment Gateway.
Verify that Active is selected.
Click Save.
Payment Destination Settings
An asterisk () indicates a required field.*
Field | Description |
|---|---|
Label* | Enter a unique label for the Payment Destination. |
Merchant/Service Provider* | Select the applicable merchant or service provider. |
Payment Gateway* | Select the Payment Gateway used to process payments. |
Trust Account | Select the Trust Account associated with the Payment Destination. |
Clients | Select the clients that use the Payment Destination. |
Default Spreader | Select the default Payment Spreader for transactions. |
Spread Time* | Select when transactions are spread: Immediately, On Batch Deposit, On Batch Close, or Manual. |
Batch Receiver | Select the receiver for processing: Owner, Direct, Forward, or Legal. |
Service Fee Bucket* | Select the bucket used for service fees. |
Post Transaction with Date Spread | Enable to use date spread when posting transactions. |
Invoice Delay Days | Enter the number of days to wait before the spread transaction is available for invoicing. |
Intelligent Failure | When a payment results in an NSF, prevents the payment plan from failing. |
Intelligent Reschedule | When Intelligent Failure is enabled, automatically reschedules an NSF payment to the end of the payment plan without failing the plan. |
Do Not Allow Payment Plans Past Credit Card Expiration | Prevents payment plans from extending beyond the credit card expiration date. |
Receipt Name | Enter the name displayed on the payment receipt. |
Receipt Address | Enter the address displayed on the payment receipt. |
Last Settlement ID | Displays the last settlement ID recorded by the Payment System - Exports and Settlements job. |
Last Settlement | Displays the date of the last settlement recorded by the Payment System - Exports and Settlements job. |
Max Payment Amount | Enter the maximum amount allowed for a payment or payment plan. |
Active | Enable the Payment Destination. |
Image Displays Payment Destination Sections and Fields
Payment Reminders
Use the Payment Reminders section to configure notifications for upcoming payments.
Field | Description |
|---|---|
Send Payment Reminders | Enable or disable payment reminders. |
# of Days Prior | Enter the number of days before the scheduled payment to send the reminder. |
Min # of Days | Enter the minimum number of days required for payment reminders. |
Letter Profile | Select the letter profile used for reminders. |
Letter Vendor | Select the letter vendor used for reminders. |
Email Profile | Select the email profile used for reminders. |
Text Message | Select the text message profile used for reminders. |
Image Displays Payment Reminders Section
Payment Receipts
Use the Payment Receipts section to configure notifications sent when a payment receipt is generated.
Field | Description |
|---|---|
Send Payment Receipts | Enable or disable payment receipts. |
Letter Profile | Select the letter profile used for receipts. |
Letter Vendor | Select the letter vendor used for receipts. |
Email Profile | Select the email profile used for receipts. |
Text Message | Select the text message profile used for receipts. |
Image Displays Payment Receipts Section
Payment Reminders and Payment Receipts
When a preferred contact method is set for an account demographic, that method is used. If no preference is set, delivery follows this order: Email → Text → Letter.
Methods that are opted out or marked Do Not Contact are skipped.
Authorization Requests
Use the Authorization Requests section to configure the profiles used to send authorization requests.
Field | Description |
|---|---|
Email Profile | Select the email profile used for authorization requests. |
Text Message | Select the text message profile used for authorization requests. |
Payment Gateway Settings
The fields available in Provider Settings vary based on the selected Payment Gateway. Configure these fields using the information provided by your payment provider.
Credit Card Payment Gateways
When a credit card Payment Gateway is selected, additional settings are available for credit card processing.
Select the card brands accepted by the Payment Destination, as applicable:
Visa
MasterCard
Discover
American Express
BIN Database
BIN Database settings apply to applicable credit card Payment Gateways.
See Payment Destinations BIN Database for additional information.
ACH Payment Gateways
When an ACH Payment Gateway is selected, Provider Settings displays the fields required by the selected ACH provider.
Configure these fields using the information provided by your payment provider.
NACHA ACH
When NACHA ACH is selected as the Payment Gateway, NACHA-specific fields are displayed in Provider Settings.
Configure the NACHA fields using the information provided by your financial institution.
NACHA Blocking
Some financial institutions require NACHA files to use a blocking factor of 10, meaning the total number of records in the file must be divisible by 10.
Enable Nacha Blocking to pad the generated NACHA file with records containing 9s until the total record count is divisible by 10. If the record count is already divisible by 10, no additional padding records are added.
Note
Confirm your financial institution's NACHA file-formatting requirements before enabling Nacha Blocking.
Payment Destination Jobs
ACE includes default jobs used to process Payment Destination activity:
Payment System - Exports and Settlements
Payment System - Payment Plans
Payment System - Exports and Settlements
To locate the job:
Go to Utilities → Jobs.
Select Payment System - Exports and Settlements Job.
The job processes exports and settlement information for configured Payment Destinations. The existing article identifies exports as sending transaction information to the payment provider and settlement as processing settlement information and generating deposit records.
Job Settings
Field | Description |
|---|---|
Label* | Displays the job label. |
Description | Describes the processes performed by the job. |
Schedule* | Select On Demand or configure a schedule for the job. |
Last Run Status | Displays the status of the last job execution. |
Message Count | Displays the number of messages generated when applicable. |
Last Run | Displays the date and time the job last ran. |
Notify on Error | Enable notifications when the job encounters an error. |
Notify on Complete | Enable notifications when the job completes. |
Notify List | Select the users who receive job notifications. |
Run Exclusively | Enable to run the job independently from other jobs. |
Rerun on Misfire | Automatically reschedules and retries a scheduled job if it does not execute at its scheduled time. |
Log Task Time | Creates a log entry containing the duration of each task. |
Active | Enable or disable the job. |
Add Task | Add another task to the job. |
Tasks Section
Displays selected tasks associated with the job.
Two tasks for this job:
Task | Description |
|---|---|
Payment System: Exports | Sends transactions to the payment provider. Select the applicable Payment Destination and enable Active. |
Payment System: Settle | Processes settlement reports and generates deposit records. Select the applicable Payment Destination and enable Active. |
Image Displays Payment System - Exports and Settlements Job
Please Note
If multiple payment vendors are used (e.g., separate for credit card and ACH), set up multiple payment destinations.
Additional tasks can be added to accommodate different destinations.
Payment plan tasks may be configured within this job or within the separate Payment System – Payment Plans job. Review your jobs to confirm configuration.
Payment Plans Move Job Task
The Payment Plans Move task moves remaining scheduled payments to a new payment plan under a different Payment Destination. The task can be added to an existing job or configured in a new job.
It can also be used to move secure payment plans to promise plans.
Please Note
A promise plan cannot be moved back or returned to a secure payment plan using this task.
Payment Plans Move Task Settings
Field | Description |
|---|---|
Description | Moves remaining scheduled payments to a new payment plan under a different Payment Destination. |
Active | Enable or disable the task. |
From Payment Destination* | Select the current Payment Destination. |
To Payment Destination* | Select the new Payment Destination. |
Credit Card Types | For credit card plans, select the card types to include in the transfer. |
Logic Condition | Move only payment plans containing accounts that meet the selected logic condition. An existing logic block is required. |
Image Displays Payment System: Payment Plans Move Task