Many large and small businesses want to manage their own payment processing technology. Decision makers struggle with two options: develop your own solutions, or buy a third-party solution. With Affirmative’s web services, you can easily integrate our payment offering to your current solution, making the entire process seamless to your customer’s experience while making ACH payments available through your web site. Affirmative includes a web service as part of the ACH Origination services when you license our ACHNow.net origination software. We’ll work closely with your technology team to integrate your online service with our payment engine.
Affirmative licenses ACHNowWebService using SOAP and XML for processing ACH transactions. In many instances, billers or merchants may already have a customer-facing portal or mobile channel delivery and are looking to add the payment functionality. Most developers with some payment understanding can integrate using Affirmative’s web services in a fairly short time. Most integrators with some transaction expertise can integrate with our web services in a fairly short time. The transactions entered out on your website may be passed to our payment portal in either real-time or batch mode; the decision is yours to make. Once transactions are received through our payment portal, the transactions received may be viewed and edited based on permission settings. Once transactions are approved through the necessary validation filters, an ACH file is created and downloaded to your financial institution or third party processor for settlement.