ACH Processing
ACH processing from iStream Financial Services is designed to provide a low-cost and efficient option when it comes to payment processing.
ACH Origination & Receipt
Initiate and receive ACH payments through multiple pathways, including back office, file-based, API, or integrated solutions. With options to configure disbursement workflows, iStream adapts to your unique business requirements.
Sub-Accounting & Split Settlement
Our sub-accounting platform enables precise control over how funds are allocated.
- Split a single transaction across multiple endpoints by dollar amount or percentage.
- Automate reconciliation with built-in reporting and balancing tools.
- Streamline complex settlement scenarios while reducing manual effort.
Flexible Settlement Options
iStream supports flexible clearing windows to meet your business needs:
- Standard ACH for predictable, two-day settlement.
- Same-Day ACH for faster fund availability.
- ACH 180 for expanded processing timelines and added flexibility.
Delayed Clearing & Controlled Disbursements
For businesses managing financial risk, iStream offers delayed disbursement options. Funds are only released after credit transactions have cleared and are considered good funds, protecting your organization while maintaining smooth operations.
Flexible Integration
Choose the integration method that works for your business:
- API Integration for embedding ACH into third-party applications and automating payment flows.
- Virtual Terminal ACH for one-time or recurring payments (ideal for customer service or back-office teams).
- File-Based ACH for high-volume processing with multi-format support.
Validation
iStream helps clients stay compliant with NACHA rules while reducing returns:
- Validate account details in real-time, before initiating transactions.
- Consumer credential-based validation for added assurance.
With our validation only offering, you are also able to validate, in real-time, bank account information on transactions being cleared with your current banking relationship.
Learn more about our account validation solutions.
Why Choose iStream for ACH?
- Reliable processing with 99.999% uptime
- Multiple clearing options: standard, same-day, ACH 180
- Advanced sub-accounting and split settlement capabilities
- Real-time return management and reporting
- Secure, compliant account validation
- Flexible integration: API, virtual terminal, or file-based