Set Up ACH Payments

To set up ACH payments on your Commerce website, complete the following tasks:

1. Create a Payment Instrument for ACH Payments
2. Enable ACH Payments

Create a Payment Instrument for ACH Payments

Payment instruments are created in two ways:

• You create a payment instrument using the Order Management feature in NetSuite.
• Your customer creates a payment instrument on your Commerce website.

Note: To create a payment instrument, first enable the Payment Instruments feature (Setup > Company > Enable Features > Transactions > Payment Processing).

Payment Instruments:

• The Payment Instruments feature makes using various payments methods more straightforward and, in the case of payment cards, more secure. Payment instruments include fields that let you charge a shopper without them needing to do anything.
• The shopper doesn’t need to do anything if, for example, the Card on File box was already checked or a payment card token was already created.
• Use Payment Instruments only with payment gateways that are directly integrated with NetSuite.
• Payment Instruments are enabled by default on new accounts.

Enabling the Payment Instruments Feature

Prerequisite: before you can enable the Payment Instrument feature, you must first enable the Credit Cards Payments feature on your account.

To enable the Payment Instruments feature:

1. Go to Setup > Company > Enable Features.
2. Click the Transactions subtab.
3. Check the Payment Instrument box.
4. Click Save.

Creating a Payment Instrument Manually on a Customer Record

After enabling the Payment Instruments feature, you can create a payment instrument for the customer.

To create a payment instrument manually for a specific customer:

1. Search the customer’s name in the search field, or go to Lists > Relationships > Customers, and select the customer you want to create a new payment instrument for.
2. Click the Financial subtab, then click the Payment Instruments subtab.
3. Click New.
4. In the Primary Information section, select the desired payment instrument from the Type list. A different set of field becomes available after selecting either a General Token or Payment Card Token.
5. Fill out the fields on the payment instrument page
6. Click Save.

Enable ACH Payments

Configure ACH Payments for Make a Payment and Checkout flows in the SuiteCommerce Configuration record.

In the Make a Payment flow, you can offer the ACH payment method to customers paying invoices in the My Account area of your Commerce website. In the Checkout flow, you can offer the ACH payment method for customers who have their customer profile set to Company or Individual.

To enable ACH payments for Make a Payment:

1. Go to Commerce > Websites > Configuration.
2. Select your website and domain, and click Configure.
3. Go to the Payment Instruments & Methods tab and the Payment Instrument ACH subtab.
4. Check the Enable ACH Payments for Make a Payment box.
5. Click Save.

To enable ACH payments from Companies in the Checkout flow

1. Go to Commerce > Websites > Configuration.
2. Select your website and domain, and click Configure.
3. Go to the Payment Instruments & Methods tab and the Payment Instrument ACH subtab.
4. Check the Enable ACH Payments from Companies Using Checkout box.
5. Click Save.

To enable ACH payments from Individuals in the Checkout flow

1. Go to Commerce > Websites > Configuration.
2. Select your website and domain, and click Configure.
3. Go to the Payment Instruments & Methods tab and the Payment Instrument ACH subtab.
4. Check the >Enable ACH Payments from Individuals Using Checkout box.
5. Click Save.