All you need for processing direct debits to your customer's checking/savings account is to know is the specific NACHA formatting required by your bank.  NACHA (National Automated Clearinghouse Association) is a set of "standards" that specify the formatting of EFT files submitted to financial institutions.  Unfortunately, most banks consider these "standards" to be open to interpretation and therefore there may be small differences between the files accepted by one bank compared with the files accepted by another.  Regardless of the financial institution you choose, Aspen may have already programmed the format they require...and if not, we will modify the program at no additional charge. 

Credit Card Processing is handled with interfaces to Payment Gateway Service Software provided by either PC-Charge or Shift4 software.  Each of these 3rd-party software packages are certified with a variety of Credit Card processing networks (Click here for a list of certified processors for PC-Charge software).

In addition to the software, you will need to Merchant ID from your Merchant Services Provider.  This could be from the Merchant Services Department at your local bank, or with an independent sales organization such as Payment Processing Inc. (PPI) (Click Here for more information about the services from PPI).  We recommend PPI because our customers report better customer service and lower processing costs.  In fact, PPI guarantees that they can beat anyone's price!

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