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ACH File Upload Schedule for Manual Bank Portal Submissions

For customers whose banks do not support SFTP, PaymentWorks manually uploads ACH files to the bank portal. This article outlines the upload schedule, user access requirements, and other important guidelines.

Manual ACH File Upload Schedule

  1. ACH files are uploaded manually to your bank's portal on business days only.
    Files are not uploaded on U.S. bank holidays.
  2. Ensure the Payer approves the ACH file in PaymentWorks by one of the following cutoff times (ET):
    • 9:30 AM ET → Uploaded at 9:30 AM ET
    • 12:30 PM ET → Uploaded at 12:30 PM ET
    • 3:30 PM ET → Uploaded at 3:30 PM ET
  3. Files approved after 3:30 PM ET will be uploaded at 9:30 AM ET the next business day.
  4. PaymentWorks must maintain a minimum of four authorized users with access to upload ACH files to your bank portal to ensure business continuity.
    • Payers are responsible for assisting with user management and updates as required by PaymentWorks.
  5. PaymentWorks may charge a yearly fee for this service, depending on terms outline in the Payer's Master Services Agreement.

Important Notes

  • Approval time is based on when the Payer Clicks Approve in PaymentWorks, not when the file is created.
  • If your bank requires additional file formatting or steps within the portal, ensure those details are communicated with PaymentWorks.
  • Plan ahead for weekends and holidays to avoid payment delays.

Related Articles / Next Steps

For more detailed guidance or support, please contact PaymentWorks Support.