Process for ACH payments made during Auto Processing or through the Customer Portal

Here's the step-by-step process for ACH payments on the Benji Pays platform, whether initiated during auto processing or through the customer portal:

Step 1: The transaction is Queued for submission, and the payment is recorded in QuickBooks with the deposit account set as undeposited funds. This prevents accidental reprocessing of the invoice, and the transaction status appears as Queued in Benji Pays.

Step 2: The queued transactions are batched and submitted to Bambora daily around 11 am PST, showing a status of Pending/Submitted in Benji Pays.

Step 3: With a 4-day lag on your Bambora account, approximately 4 business days later, transactions are deposited from Bambora to your bank account. Bambora manages this process entirely. On that day, our systems poll Bambora and update the transaction status to Complete/Approved, usually after 1 PM PST.

You can review the ACH batches and associated transactions in Benji Pays under "Transactions > ACH Batches".

View the settlement data under "Transactions > ACH Settlements" once it's imported. This report displays the total settlement deposit along with associated transactions for each settlement deposit. It's the report used for reconciling your bank account, linking bank deposits to transactions in your undeposited funds account from Step 1.

Throughout this process, you'll receive email notifications with updates. If any transactions fail or are returned, both Bambora and Benji Pays will notify you. Benji Pays will automatically void the payment in your accounting system, disable the payment profile, reflecting that the invoice is unpaid, and preventing retries to avoid further failed transactions.

Feel free to check the current status of an ACH transaction in Benji Pays at any time by clicking on the green/red/purple status pill.