How your consumer customers benefit from “Direct Payment via ACH” messaging

More and more consumers are relying on the ACH Network for making payments safely and securely to save time and money and to help the environment. You are helping your consumers achieve this through the ACH payment services you offer and support.

The consistent use of “Direct Payment” raises consumer understanding and adoption of this safe, secure, convenient, and green payment method, supports awareness of enhanced payment products, and ensures improved user experiences.

Adding the differentiating phrase “via ACH” helps consumers draw the connection between the positive attributes of trusted ACH payments and the ACH Network. This linkage underscores that the ACH Network is a safe, secure, reliable, and convenient Network for a range of direct account-to-account electronic payments, providing additional peace of mind for consumers.

Increased understanding equates to increased trust in you and the payment options you provide.

Whether you use NACHA’s terminology, “Direct Payment,” or special branded ACH products or services, be sure to add the phrasing “via ACH” to emphasize the role the ACH Network plays and underscore its attributes. For example, the product SurePay becomes “SurePay via ACH,” or the product EZ Pay becomes “EZ Pay via ACH.”

The goal of using this terminology, phrase, and messaging is to drive your customers' understanding of ACH payments and help enable you to better meet their payment expectations.


Q: What if I know my customer/audience wants the distinction between an ACH debit and an ACH credit, which “Direct Payment” does not address?

A: Direct Payment refers to all ACH payments – both debit and credit – that are not Direct Deposits. The expanded definition simplifies terminology for the end user. However, we realize there are audiences who are more sophisticated and want to make the distinction between ACH credit and ACH debit, in which case we recommend you use Direct Credit Payment or Direct Debit Payment.

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