Use NMI ACH bank transfers

Use NMI ACH bank transfers to accept payments from eligible US and Canadian bank accounts through one-time invoices, recurring invoices, and subscriptions. Prepare the NMI account first, collect the bank account through an invoice, and wait for a successful final status before delivering the associated product or service.

Prepare NMI for bank-account payments

Complete the NMI and JourneyCARE requirements before offering bank-account payments on an invoice.

1. Connect an eligible NMI merchant account to the correct JourneyCARE sub-account.

2. Enable bank-account processing in NMI, or request activation from NMI when it is not enabled.

3. Complete the required NMI settlement and payment-status configuration.

4. Enable the required NMI webhooks for settlement and payment-status updates.

5. Use the intended NMI provider on the invoice.

Collect a US bank-account payment

Use the US flow when the customer pays from an eligible US bank account and provides a nine-digit ABA routing number.

1. Open the invoice payment page and select US / CA Bank account.

2. Enter the customer’s Account Holder Name.

3. Enter the nine-digit Routing Number (ABA) associated with the US bank account.

4. Enter the Account Number.

5. Select the Account Holder Type and Account Type.

6. Complete the authorization acknowledgment and enter the ZIP code.

Collect a Canadian bank-account payment

Use the Canadian flow when the customer pays from an eligible Canadian bank account and provides transit and institution numbers.

1. Open the invoice payment page and select the bank-account payment option.

2. Enter the customer’s Account Holder Name.

3. Enter the five-digit Transit Number.

4. Enter the three-digit Institution Number.

5. Enter the Account Number.

6. Select the Account Holder Type and Account Type.

7. Complete the authorization acknowledgment, enter the ZIP or postal code information requested by the form, and set Country to Canada.

Track processing and settlement

After submission, the invoice shows the payment as in progress, and the related transaction shows a processing status until the bank returns a final result.

• The invoice may show the payment initiation date and time.

• The transaction identifies NMI as the provider.

• The payment mode appears as Bank Account.

• The account number is masked.

• The transaction source identifies the related invoice.

An NMI bank transfer can take up to five business days to reach a final result, depending on the customer’s bank. Wait for Success before completing fulfillment or providing the associated service.

Use a bank account for recurring billing

Save the bank account through an invoice payment before using it for a recurring invoice or subscription.

1. Have the customer pay an invoice using the bank-account payment option.

2. Complete the required authorization during that invoice payment.

3. Allow the bank account to be saved through the invoice payment.

4. Use the saved bank account for an eligible recurring invoice or subscription.

A new bank account cannot be entered directly in the recurring invoice or subscription flow. The account must first be saved through an invoice payment.

Fix missing ACH options or status updates

Verify the JourneyCARE feature and NMI-side configuration when the ACH option or settlement updates do not appear.