ACH Payment Processing

ACH Cash Handling Made Simple with Baltic Bill

Baltic Bill’s ACH payment processing solution saves you the difficulty and expense of your own in-house ACH processing. You’ll be able to payout employees or simply accept ACH transfers at a better rate, in addition to a decline in waste with our secure paperless check system and no postage waits.

The Ideal System for Payroll Services

You can trust that Baltic Bill consistently manages your profit with exceptional security and reliability. Without the hassle of payroll and cash management, your in-house employees can focus on their core tasks. Without the need for an in-house cash management team, you’ll save money; and, saving money means more room for profit and growth.

  • Easy Payments
  • Deposit funds into accounts
  • Setup pre-determined auto-recurring payments or payouts
  • Customer database for greater manageability: profiles, grouping, etc.
  • Enter information once: setup auto-recurring payment charges
  • Customer convenience: Increased satisfaction and loyalty
  • Better cash flow with electronic processing
  • Quick Payments

Bulk Transactions, Bulk Savings

When you submit a batch of transactions together, it saves time and money. You’ll find that your cash management is more efficient and your cash handling costs are lowered.

Simply enter the routing numbers, account numbers, first and last names, and the amounts to be charged or added into an excel spreadsheet, then save the data as a text file. After uploading this to the ACH payment processing system, your transactions are instantly performed in one bulk batch.

Batch processing benefits our merchants with recurring billing customers as well. Your recurring charges can be billed in one batch which saves you money on transaction fees for your entire group of subscribers.

Affiliate and Batch Payment Processing

Amongst all the features that our affiliate payment system has to offer, ACH administrators can have a system of other ACH merchants processing under one account. Administrators can conveniently payout or collect funds from each affiliate payment system.

The administrator can opt to collect a percentage of each transaction that a merchant makes in the system. This simplifies your affiliate system saving you time. And time saved is saved money.

Rules & Regulations

Since 1974, NACHA, the Electronic Payments Association, has successfully administered private-sector operating rules (“NACHA Operating Rules”) governing the exchange of ACH payments, and defining the roles and responsibilities of financial institutions and other participants in the ACH Network. The NACHA Operating Rules work in concert with applicable laws and regulations to provide legal and business foundations for the use of ACH payments.

The NACHA Operating Rules are amended through a deliberative and inclusive process similar to that used by Federal agencies under the Administrative Procedures Act. This allows participants in the ACH Network – commercial banks, community banks, credit unions, large corporation, small businesses, consumer advocates, and industry vendors – the opportunity to comment on proposed rule changes.

Private-sector rulemaking provides the flexibility to promptly identify and respond to participant requirements and new technologies, and to define in sufficient detail the roles and responsibilities of participants in the ACH Network. From this foundation, the NACHA Operating Rules promote innovation, efficiency, and provide security and certainty regarding ACH payments.