Corporations / Small Businesses
This portal will allow you to originate or import your accounting items for ACH transport. You can easily create (or import from
programs like Quickbooks, Sage Accounting, etc.) ACH payroll files, ACH bill collections, Tax payments, and much more.
Financial institution's provide customized "bookmarks"
Banks / Credit Unions
This portal will allow you to manage your ACH clients and process ACH files. You should have a customized link or
"bookmark" for your login. This is the "?id=nnn" at the end of the URL where "nnn" is your Processor number.
Enter your Processor number and press enter. Then bookmark the resulting page before you log in.
Need an account? Learn more: Hosted ACH Software
Request a Digital Certificate
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.
What is achbusiness.com?
achbusiness.com is a dual portal transactional web site providing ACH Origination and optionally ACH Receiving, serving banks and credit unions and their customers.
Your business customers can make automatic payroll deposits for their employees, issue direct debits for payment of
receivables, deposit taxes, collect loan payments posting directly to loan or G/L accounts, generate automated recurring payments and many more business ACH
applications. Your Financial Institution receives all files created by your customers, combines them into a single
file which is then imported into your FRB Fedline Advantage system or correspondent system. The software is a
web-based ACH solution, so there is no software to install. You can access the site with most major browsers or your iPhone.
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 256-bit 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.
Supported SEC Codes & Features
- Payroll Deposits (PPD)
- Back office conversion (BOC)
- Bill Collection (ARC)
- Bill Collection (PPD)
- Bill Collection (WEB)
- Bill Collection (TEL)
- Disbursement (CCD)
- Child Support Payments (PPD)
- International ACH transactions (IAT)
- EDI Payment (PPD+)
- Enrollments (ENR)
- G/L Transactions (PPD)
- Automated Recurring Payments (CCD/PPD)
- Loan Payments (PPD)
- Cash Concentration (CCD)
- EDI Payments (CCD+)
- Tax Deposits (EFTPS) (CCD)
- A/R Check Conversion (ARC)
- Destroyed Check (XCK)
- Truncated Check (TRC)
- Represented Check (RCK)
- POP MICR Capture (POP)
- ACH Returns
- ACH Notices of Change (NOC)
- ACH File Delivery
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
achbusiness.com provides support for "automated recurring payments." This feature
allows end-users to set up loan payments, automated billing, and general ledger (G/L) entries on an automatic,
recurring schedule. The debit/credit accounts are configured in the database by the client and a file frequency
is chosen. Once configured, the system will automatically determine the next generation/effective date. Every
business day morning, the system will determine if the file should be created, and if so, will
create it, commit it to your Financial Institution, and send you a report via email.
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.