Posted by NationalACH on Mar 15, 2010

Authorization for Online ACH Processing

ACH payment processing authorization is required with specific language that authorizes a merchant to process an electronic payment ACH debit transaction on behalf of the consumer. This provides a sample ACH authorization and confirmation for merchants that accept checks online with ACH payments.

Sample ACH Processing Authorization

Transaction Authorization:  By clicking the "authorization" button below, I confirm that I am the owner of the account identified by the numbers entered above and authorize this merchant to convert my account information entered above into an electronic debit to, my account for the amount of this transaction. In the event that my electronic debit is returned unpaid, I agree that a returned item fee also may be debited from my account electronically. The amount of the fee will be determined by the state where my billing address is located.  Further, by submitting a transaction, I expressly authorize this merchant to obtain a report of my check-writing history to prevent fraud and for other authentication purposes.

Confirmation Notice. Thank you for your order   Please print a copy of this receipt for your records.

Your transaction at was authorized on (date).  For your records, the item(s) purchased include(s):

  Total $XX.xx

and will be shipped to:

Any Consumer
12345 Any Street
Their Town, State, Zip

Payment for this transaction will be processed electronically, debiting the (Total) amount stated above from the account of, (Name of Consumer) , on, or soon after, one business day from the date you authorized this transaction. You gave your authorization on (date) to electronically debit your account when you clicked on the "I Authorize This Transaction" button.  Make sure you void the check submitted for this transaction, so as to avoid re-presentment of the same check elsewhere.

Please be advised that this transaction should appear on your next bank statement in the electronic debit section (where you normally see your ATM transactions).  The transaction information should include the merchant’s name, the posting date, the check number you entered at the time of the transaction, and the amount of the transaction as stated above.

If you have any need to contact us regarding your transaction (including to correct any erroneous information or to request a refund, you may do so by calling us at, (800) 555-1234, or e-mail us.


ACH payments on the checkout page are one of the quickest ways for online merchants to boost sales. ACH echecks are used by millions of US shoppers to pay for goods & services.  

Accept checks online and watch your sales grow.

Interested in increasing profits by accepting ACH payments online?