ACH Transaction Files

Manually add ACH transactions.

Figure 1. The ACH transaction files page

1. Add transactions

To manually add ACH transactions, add the transactions according to the system CSV template and and click import. If successful, the Import Status tab shows success.

The fields must be filled out exactly according to the template. The template can be downloaded from the system by clicking the help question mark near the Select CSV File button and clicking Download Sample File.

Fill out the downloaded CSV as shown in the help.

Figure 2. The Template as shown in help

1.1 External Schedule Identifier or Deal No.

Deal number is SmartMCA's deal number. External Schedule Identifier is the identifier the bank sends in. To use this number, you must map the numbers together. See the notes below on how to do this.

1.2 Authorization code

The authorization code should be filled in, but is not obligatory. When the ACH report is filled in using the SmartMCA Unmatched ACH transactions email, the Authorization code should follow this format:

Response code:Action Detail

Meaning, if the SmartMCA Unmatched ACH transactions email response code column says 3RET and the Action Detail column says R01, then the Authorization Code column in the template should say 3RET:R01

1.3 Description column

The description column should be filled in, but is not obligatory. This is your own description.

1.4 Date

Date is the effective date in the Unmatched ACH transactions email.

1.5 Unique Debit Instruction Identifier

Unique Debit Instruction Identifier comes in the Unmatched ACH transactions email as FrontEndTrace. You can use this number to find the Deal number in SmartMCA by going to Deal Collection Logs tab in Settings, entering it into the Schedule ID search field. The associated Deal number will come up in that search.

Figure 3. Deal Collection Logs search fields.

Use the help notes for further help:

1.6 ACH Transaction Files

Depending on the check status, enter the information below:

• The ACH transaction status (5th column) should be updated with "Check Settled" for payments received.

• The ACH transaction status can be updated with "Check Returned" for defaulted payments.

• The ACH transaction status can be updated with "Check Late Return" for payments defaulted later. For this, the same "Unique Debit Instruction Identifier" should be given for the payment that was returned late.

2. Misc. and Advanced settings

2.1 Status updates, error email, and revocation.

1. If all details were imported correctly, the system will update the status with "Success".

2. If partially imported due to errors in the data, the system will update the status with "Failed".

3. An email containing the error details and unimported data will be sent to the Admin.

4. Users can revoke the imported details by selecting "Undo Import".

5. Note: The system won't validate if the same file is imported twice.

2.2 Creating an "External Schedule Identifier":

To create an external schedule identifier, select Settings from the Menu and select the "ACH Scheduler ID Mapping" tab.

From the page shown, select "Generic ACH Deal Mapping". Click on the Add button. In the window shown, enter the required details:

1. EXTERNAL IDENTIFIER (which is an alphanumeric value)

2. DEAL NUMBER (which can be selected or entered manually)

3. Now press the "Save" button to save the details.

Repeat this action if you want to add more External Schedule Identifiers.