ACH Processor Setup
This topic provides setup instructions for specific third-party ACH processors used with ProPay for direct deposits and tax impounds.
Overview
If you are using a bank to process your ACH transactions, no special requirements are usually necessary. If your bank has specific requirements for the ACH file layout and you need assistance, email Paysoft support with their specifications.
Most non-bank third-party ACH processors have their own particular requirements. If your ACH processor is not listed below and you need assistance, email Paysoft support with their specifications.
Kotapay (Previously Intercept)
Direct Deposit Setup
Go to Client Functions > Setup > Direct Deposits Setup:
| Field | Value |
|---|---|
| Processor's Name | KOTAPAY |
| Settlement Acct Routing No | Enter routing number provided by Kotapay |
| Settlement Acct Bank No | Enter account number provided by Kotapay |
| Credit Description | Your payroll processor name |
| Originator ID | Enter number provided by Kotapay |
| Draft Employer's Funds into Processor's Account | Do NOT check |
| Create Single Company Batches | Do NOT check |
| Allow Unbalanced Transactions | Do NOT check |
In Employer > Employer Setup > Screen 4 > Direct Deposits:
| Field | Value |
|---|---|
| Days in Advance to Draft Employer's Account | 0 |
Tax Impounds Setup (Intercept)
Go to Client Functions > Setup > Tax Impounds Setup:
| Field | Value |
|---|---|
| Processor's Name | INTERCEPT |
| Settlement Acct Routing No | Enter settlement routing number |
| Settlement Acct Bank No | Enter settlement account number |
| Credit Description | TAX PAY |
| Originator ID | Enter number provided by Intercept |
| Create Single Company Batches | CHECK this box |
In Employer > Employer Setup > Screen 4 > Tax Impounds:
| Field | Value |
|---|---|
| Days in Advance to Draft Employer's Account | 0 |
Gulf Management Systems
Direct Deposit Setup
Go to Client Functions > Setup > Direct Deposits Setup:
| Field | Value |
|---|---|
| Processor's Name | GULF MANAGEMENT SYSTEMS |
| Settlement Acct Routing No | Leave blank |
| Settlement Acct Bank No | Leave blank |
| Credit Description | PAYROLL |
| Originator ID | Your Federal ID number, or number provided by Gulf |
| Regional ACH Processor | Your 3-digit company code |
Tax Impounds Setup
Go to Client Functions > Setup > Tax Impounds Setup:
| Field | Value |
|---|---|
| Processor's Name | GULF MANAGEMENT SYSTEMS |
| Settlement Acct Routing No | Enter your settlement routing number |
| Settlement Acct Bank No | Enter your settlement account number |
| Credit Description | PAYROLL |
| Originator ID | Your Federal ID number, or number provided by Gulf |
| Regional ACH Processor | Your 3-digit company code |
| Draft Employer's Funds into Processor's Account | CHECK this box |
Huntington National Bank (Previously Chemical Bank/TCF Bank)
Note: Chemical Bank merged with TCF Bank in 2019, and TCF Bank was subsequently acquired by Huntington National Bank in 2021. If you were previously using Chemical Bank, contact Huntington for updated account information.
Direct Deposit Setup
Go to Client Functions > Setup > Direct Deposits Setup:
| Field | Value |
|---|---|
| Processor's Name | HUNTINGTON (or your assigned name) |
| Settlement Acct Routing No | Enter your settlement bank routing number |
| Settlement Acct Bank No | Enter your settlement bank account number |
| Credit Description | PAYROLL |
| Originator ID | Your Federal ID number preceded by "1", or number provided by Huntington |
| Regional ACH Processor Name | HUNTINGTON or leave blank |
| Regional ACH Processor Routing # | Same as Settlement Acct Routing No |
| Draft Employer's Funds into Processor's Account | CHECK this box |
Leave other checkboxes unchecked.
Cachet Banq
Tax Impounds Setup
Go to Client Functions > Setup > Tax Impounds Setup:
| Field | Value |
|---|---|
| Processor's Name | Your payroll service name |
| Settlement Acct Routing No | Check with Cachet |
| Settlement Acct Bank No | Check with Cachet |
| Credit Description | TAX PAY |
| Originator ID | Check with Cachet |
| Regional ACH Processor | Same as Originator ID |
| Draft Employer's Funds into Processor's Account | CHECK this box |
| Create Single Company Batches | CHECK this box |
Direct Deposit Setup
Go to Client Functions > Setup > Direct Deposits Setup:
| Field | Value |
|---|---|
| Processor's Name | Your payroll service name |
| Settlement Acct Routing No | Check with Cachet |
| Settlement Acct Bank No | Check with Cachet |
| Credit Description | DIRECT PAY |
| Originator ID | Check with Cachet |
| Regional ACH Processor | Same as Originator ID |
| Draft Employer's Funds into Processor's Account | CHECK this box |
| Create Single Company Batches | Do NOT check |
Ceridian
Direct Deposit Setup
Go to Client Functions > Setup > Direct Deposits Setup:
| Field | Value |
|---|---|
| Processor's Name | CERIDIAN |
| Settlement Acct Routing No | Leave blank |
| Settlement Acct Bank No | Leave blank |
| Credit Description | PAYROLL |
| Originator ID | 3-digit Payment Solutions ID provided by Ceridian |
| Default Advance Draft Days | 0 |
| Default Span Days | 0 |
Leave all three checkboxes at the bottom unchecked.
In Employer > Employer Setup > Screen 4 > Direct Deposits:
| Field | Value |
|---|---|
| Days in Advance to Draft Employer's Account | 0 |
Ceridian File Layout Requirements
- Follow standard NACHA format to create your direct deposit file
- Company number must be in the "5" record, positions 29-34 (alphanumeric, left-justified, space filled)
- Payment Solutions ID must be in the "5" record, positions 35-37 (3 digits assigned by Ceridian)
- The "6" credit record positions 40-54 must contain the employee ID for individual stop payments
- The "6" debit record positions 40-52 must contain the company number followed by spaces; positions 53-54 should contain "01"
- Each batch must be balanced (debit record offsets sum of credit records)
- Direct deposit files must have a .ACH extension
Related Topics
- Direct Deposits Overview
- Direct Deposit System Setup
- Transmitting Direct Deposits
- Direct Deposit Troubleshooting
- Tax Impounds Setup
Keywords: ACH processor, Kotapay, Intercept, Gulf Management, Chemical Bank, Cachet Banq, Ceridian, direct deposit setup, tax impounds, third-party processor
← Back to Index