The ACH Full Remittance feature allows your company to send Standard ACH payments with a detailed remittance email to your payees.
Once the payment is completed, the payee receives an email that includes:
A non-negotiable image of the check (for reference only)
A detailed list of invoices covered by the payment
👀 Note: Enabling this feature adds an additional fee to Standard ACH payments only. Enhanced ACHs include remittances at no extra cost. Please refer to our pricing website and to your contract for more information.
How the ACH Full Remittance feature works
When the feature is active and properly configured:
The user creates an ACH payment in the Payments module.
The payment goes through the Approve and Disburse steps.
Once the payment is completed, the payee automatically receives an email containing:
A non-negotiable image of the payment check.
A list of invoices included in the remittance (optional).
This process provides a transparent and professional way to inform your payees of the payment details.
How to enable and configure ACH Full Remittance
Only company owners can activate this service. After activation, users with permissions in Design Studio can set up the required templates.
Step 1: Activate the service
Go to Settings > Company > Services.
Locate the ACH Remittance card.
Click the Activate button.
A modal will appear with service information — click Activate again.
A Terms and Conditions window will appear.
Read the terms carefully, then enter your initials to unlock the Accept button.
Click Accept to complete the activation.
Only company owners can perform this activation.
Step 2: Create the ACH Email Template
Once the service is active, any user with permission to create and edit templates can configure the email in Design Studio.
Go to Design Studio.
Click “New Email.”
Choose Email Type = ACH.
A dropdown will appear — select the Document Template you designed.
Add a name for your email template.
Design your email content, including any dynamic variables needed.
Click “Create Email” to save.
The Document Template defines the layout of the non-negotiable payment image and remittance details.
Step 3: Create an ACH Output
Navigate to Settings > Workflows > Outputs.
Click “Create Output.”
Enter a name for your output.
Select Payment Type = ACH.
A new tab will appear — select the Email Template you created in Step 2.
Click “Create Output.”
This output determines how and when the remittance email is sent during payment processing.
Step 4: Assign the Output to a Bank Account
Go to Settings > Banks > Bank Accounts.
Click “Create Bank Account" or open an existing one.
Fill in all required fields for the new bank account.
Maker sure Payment Type is set to ACH.
In the Output field, select the output you created in Step 3.
Click Create/Update Bank Account
Once configured, all ACH payments made from this bank account will use the Full Remittance feature.
When a Payee does not have an Email
If the payee does not have an email address on file, the payment will still move to Completed, but no email will be sent, and you will not be charged the remittance fee.
To avoid this situation and ensure payees receive their remittance details, please make sure your payee information is complete and up to date, including a valid email address.
What happens if ACH Full Remittance is not enabled?
If the ACH Full Remittance service is not activated, your company can still:
Create and send Standard ACH payments.
Design email templates in Design Studio.
However:
You won’t be able to attach a Document Template to your email.
Payees will receive an email notification when a payment is made, but it will not include a digital copy or invoice list.
To provide your payees with full payment details (check image + invoice list), you must activate the ACH Full Remittance service.
Summary
Feature | Available Without Service | Available With Service |
Send Standard ACH payments | ✅ | ✅ |
Email notification to payee | ✅ | ✅ |
Include non-negotiable digital copy | ❌ | ✅ |
Include invoice list | ❌ | ✅ |
Additional fee | — | Yes - Refer to our pricing website. |