achbusiness.com is the hosted portal for ACH software on the web. This SaaS (Software as a Service) provides customers with the ability to originate or import items for ACH file creation. SBT is the home of products such as ACHAccess & FIConnect. Need a brief ACH primer or considering a standalone ACH software? Take a look at our page on the History of ACH and SBT. |
Corporations / Small BusinessesThis portal will allow you to originate or import your accounting items for ACH transport. You can easily create (or import from programs like Quickbooks, Peachtree Accounting, etc) ACH payroll files, ACH bill collections, Tax payments, and much more. Financial institution's provide customized "bookmarks" |
Banks / Credit UnionsThis portal will allow you to manage your ACH clients and process ACH files. You should have a customized link or "bookmark" provided to you. It you do not have it, please click the Processor Login button and enter your processor ID. Then bookmark the resulting page. Need an account? Learn more: Hosted ACH Software |
Request a Digital Certificate
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Once requested, please contact your financial institution to have it issued. SBT does not issue certificates on behalf of any financial institution WITHOUT PRIOR APPROVAL. If you are a financial institution, please contact us for review and issuance. |
*For security reasons, you will be asked to prove your identity and receive a callback to your listed phone number on file.
It’s Secure
achbusiness.com is hosted on secure servers to protect the sensitive data. The industry standard for securing Web sites is called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, message integrity and client authentication for the web site. Combined with digital certificates, both client and server communicate in a way that prevents eavesdropping, tampering or message forgery. For the ultimate in security, we can also integrate RSA (Random Scheduling Algorithm) authentication to protect against Man-in-the-Middle attacks (i.e. keyloggers, malware, spyware, etc). Alternatively, for larger customers, we are also able to integrate with biometric scanners (i.e. fingerprint authentication) and other methods (upon request).
Supported SEC Codes & Features
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Manage ACH Risk
Integrated into our ACH origination software system is a powerful ACH Risk Management component that will:
- monitor daily and monthly limits by customer
- monitor origination/return deviations from "norms" by SEC code
- flag unauthorized debits
- help identify suspicious activity
- help financial institutions comply with NACHA Operating Rules and Audit requirements
Recurring Payments
achbusiness.com provides support for "automated recurring payments." This feature will allow end-users to set up loan payments, automated billing, and general ledger (G/L) entries on an automatic, recurring schedule. The setup takes less than a minute and entering/importing the data becomes the biggest task. Once ready, the system will automatically determine the next generation/effective date based on whether you are creating 2-day settlement (i.e. balanced files, which is typical) or 1-day settlement (usually used for loan payments). Every morning, the system will determine if the file should be created, and if so, will create it, commit it, and send the top tier a report.
Since this recurring billing is intended for automation between tiers, it does not apply to "tier-1" customers. In that case, the end user would need to login to export the file anyway and originating only takes a moment. However, the end users of our "tier-2" and "tier-3" customers will enjoy never having to login to the system and our customers will enjoy the benefit of having the files sent without communication with their end users. The entire process is streamlined for everyone involved.