Overview

ACH transactions are not processed in real time. Unlike credit card payments, ACH payments move through multiple banking stages before funds are finalized.

Because of this, ACH transactions may take 3 to 5 business days to complete, depending on banking timelines and processing windows.

This article explains the lifecycle of an ACH payment inside Biller Genie and what each status means.

ACH Payment Statuses Explained

As an ACH payment progresses through the banking system, it will move through the following statuses:

Received

The payment has been successfully submitted and added to the system.

Accepted

The payment has been transmitted to the RDFI (Receiving Depository Financial Institution) for processing.

Paid

The payment has been successfully funded. The transaction is finalized.

Error

There may be an issue with the stored payment method (for example, the payment method was deleted or is no longer valid).

How ACH Processing Impacts Invoices

While an ACH transaction is in progress:

• The invoice will display as Pending
• Automated reminders are paused
• Late fees are paused

An invoice will remain in Pending status while the ACH payment is in:

• Received
• Accepted

When the ACH Payment Is Successful

Once the ACH transaction reaches Paid status:

• The invoice is automatically closed
• The payment syncs to your accounting software
• Reminders and late fees do not resume

If an ACH Transaction Fails

If an ACH transaction does not process successfully:

• The invoice will automatically reopen
• Automated reminders will resume
• Late fees (if enabled) will resume

For a full list of ACH return and rejection codes, refer to:

ACH and Credit Card Rejection Codes

You may also reference the Rejected Transactions Report article for assistance reviewing and resolving failed ACH transactions.

Important Notes

• ACH processing timelines are controlled by banking networks.
• Biller Genie cannot accelerate ACH funding.
• Status changes depend on responses from the financial institutions involved.

Still Having Trouble?

If you need help reviewing an ACH transaction, contact the Biller Genie support team at support@billergenie.com and include the following details:

• Invoice number
• Transaction date
• Current ACH status (Received, Accepted, Collected, Paid, or Error)
• Any ACH return code displayed

Providing this information will help our support team assist you as efficiently as possible.