ACH Debit creation options

LotusPay offers multiple ways to create ACH debit requests. You can select the option that suits your particular needs.

After you've reviewed mandate creation options, you'll need to consider the transaction process.

To charge a customer, you'll first need an active mandate. If you have an active mandate but no ACH debits are being created automatically, it means the mandate has no subscription attached.

ACH debit creation options:

• Dashboard form: To create one ACH debit at a time.

• Import: To create ACH debits in bulk.

• API: To create ACH debits via a technical integration.

ACH debit creation methods:

• Ad hoc: When wanting to charge a specific customer one transaction on a certain date. This is done by creating an ACH debit on a mandate. You can create ad hoc debits via the dashboard form, or via the API (if you have API access).

• Subscription: When charging a schedule of recurring transactions with the same parameters to a specific customer e.g. a regular monthly amount. This is done by creating a subscription on a mandate. This requires a known frequency, period and amount. You can create subscriptions via the dashboard form, or via the API (if you have API access).

• Plan: When wanting to either assign or enable multiple customers to sign up to the same scheme. This is done by adding/inviting customers to join a plan, which creates a mandate and (if required) a subscription.