Services

ACH

Automated Clearing House (ACH) payments have become the backbone of modern digital transactions. iStream offers comprehensive ACH services to help you process payments quickly, verify account information, and maintain operational accuracy.

Whether you’re originating transactions or validating accounts, our platform is designed to make your payment operations faster, safer, and smarter.

Solutions

ACH Processing

Fast, Low Cost, Efficient Payment Movement

iStream’s ACH Processing solution enables you to securely move funds electronically between banks. Whether you’re handling customer or vendor payments, donations, tuition, or other recurring transactions, our platform ensures your payments are initiated, tracked, and settled with speed and confidence.

✅ Originate and receive ACH payments
✅ Sub-accounting and split settlements
✅ Realtime access to data and reports
✅ Integration to your payment page
✅ Flexible disbursement management

Account Validation

Instantly Verify Accounts Before Payments Are Initiated

Reduce risk and protect your payment operations with iStream’s Account Validation service. Our platform helps verify account ownership and status before initiating an ACH transaction, ensuring accuracy, reducing returns, and protecting your cash flow.

✅ Instantly validate account status and ownership
✅ Meet compliance standards (such as Nacha rules)
✅ Decrease payment failures and fraud risk
✅ Streamline onboarding and payment initiation

Direct Benefit Deposit

Simplify Direct Government Benefit Deposit Access for Your Customers

iStream’s iDirect Deposit (IDD) service provides a fast, secure way for individuals who may not have traditional bank accounts to access direct deposit benefits. Perfect for government benefits, disbursements, or refunds, IDD bridges the gap between businesses, institutions, and customers who need quick, flexible access to funds.

✅ Enable direct deposit access without a traditional bank account
✅ Support government benefit disbursements and tax refunds
✅ Offer customers a safe, reliable alternative to paper checks and prepaid cards
✅ Reduce costs and speed up fund delivery

ACH Return Management

Automate Returns and Reduce Manual Headaches

iStream’s ACH return solution helps you automate the processing of check and ACH returns to reduce operational friction and avoid manual interventions. Gain control over the return process while enhancing your customer service capabilities.

✅ Automatically capture and process return files
✅ Receive detailed return reason codes and transaction data
✅ Improve exception handling and reduce errors
✅ Stay compliant with regulatory and bank processing standards