ACH payment workflow
The ACH payment process follows four main steps:
The patient authorizes ACH payments.
The patient’s bank account is added or selected.
The ACH payment is submitted from the invoice.
The payment moves through processing until it is completed.
ACH payments typically take 4–10 business days to settle.
Authorize ACH payments
Before a bank account can be used for an ACH payment, the patient must complete an ACH authorization.
Open the patient’s invoice and select Pay Now.
Select ACH as the payment method.
Have the patient complete the ACH authorization.
The patient can authorize ACH payments in one of two ways:
Sign on device
The patient can review and sign the authorization directly on the device at your practice.Email or text
Send the patient a secure link by email or text. The patient can open the link, review the authorization, sign, and authorize ACH payments from their own device.
Once the authorization is complete, a bank account can be added and used for ACH payments.
Add or select a bank account
After the patient has authorized ACH payments, add their bank account information or select an existing saved bank account.
If you are adding a new account, enter the patient’s bank account and routing information and save the account.
Bank accounts can also be managed from the patient’s billing information.
Process an ACH payment
Once the patient has authorized ACH payments and a bank account is available:
Open the invoice and select Pay Now.
Select ACH.
Enter the payment amount.
Select the bank account you want to debit.
Confirm that the account holder authorized the ACH debit.
Select Submit ACH debit.
For a patient’s first ACH payment, you may see additional information explaining the ACH settlement timeline and return risk.
Once submitted, the payment is sent to the ACH network for processing.
Track an ACH payment
You can track the ACH payment from the Payments section of the invoice.
Once the ACH network accepts the payment, it will display as Processing.
Prospyr shows the current business day in the ACH processing window and the estimated date range for when the funds may reach your account.
ACH payments may reach your account before the full processing period has passed.
Confirm funds received
If the funds have already reached your account while the payment is still processing, you may have the option to confirm that the deposit was received.
Once confirmed, the ACH payment will display as Completed.
ACH payment statuses
Submitted
The ACH authorization has been captured and the payment has been queued for submission.Accepted by the ACH network
The ACH network has accepted the payment and the processing period begins.Processing
The payment is moving through the ACH network. ACH payments typically take 4–10 business days to settle.Completed
The payment has completed, either after the processing period or after the practice confirms that the funds were received.