Orbipay Payments Hub for ACH
Modular, Scalable, Automated
Improve efficiency and reduce costs with modern ACH processing—leaving legacy limitations behind.
Problem
Batch-Based ACH Wasn’t Built for Today’s Expectations
ACH systems often rely on aging legacy technologies that are increasingly difficult to maintain and rapidly becoming obsolete. These challenges make modernizing ACH a necessity:
Labor-heavy, manual ACH workflows that slow processing, increase costs, and introduce errors
Fragmented ACH systems for origination, posting, and exceptions that create operational drag
Limited visibility into ACH transactions, returns, and settlement that restricts real-time oversight
Manual compliance, fraud, and reversal processes that increase risk and strain staff resources
Modernize ACH With Orbipay
ACH Payments Processed
Value of ACH Payments Processed
Experince in ACH and Payments Innovation
Platform Uptime
Key Capabilities
Automation-First ACH Solution
Orbipay Payments Hub for ACH delivers end-to-end automation, advanced exception handling, and pre-transaction compliance screening—all within a unified platform that supports ACH, wires, the RTP network, and the FedNow Service.
End-to-End Automation:
Automate the full ACH lifecycle—from origination through exceptions—to reduce costs, errors, and processing time.
Centralized Oversight & Reporting:
Manage ACH activity and approvals in a single platform with unified visibility across payment rails.
Automated Exception Handling:
Streamline returns, dishonors, and reversals to shorten resolution times and reduce manual effort.
Compliance & Risk Controls:
Built-in OFAC screening, exposure monitoring, and return-rate tracking help reduce regulatory and reputational risk.
Rapid System Integration:
Out-of-the-box connectors and open APIs support fast deployment with existing core, digital banking, and fraud systems.
Scalable Growth Platform:
Cloud-native, ISO 20022–based architecture supports extensibility and long-term growth.
Key Benefits
The Business Case for Orbipay Payments Hub for ACH
Cost Savings
Faster ACH Operations
Unified ACH Control
Reduced Risk Exposure
Scalability & Future Readiness
End-to-End Automation
Case Studies
What Our Customers Say
Veridian Credit Union
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Credit Union
Veridian Credit Union Among the First To Connect to the FedNow® Service
Jeni Brantner, VP of Payments
Frequently Asked Questions
How quickly are ACH payments processed today?
Standard ACH transfers typically settle in one to two business days, while Same Day ACH enables faster processing when needed. Although ACH may offer cost advantages (in some scenarios) for the end user, manual processing can result in higher costs and increase the potential for human error for the financial institution. Orbipay Payments Hub for ACH gives your accountholders the opportunity to get the right speed and cost for each payment.
What ACH timing considerations should financial institutions keep in mind?
There are cut-off times for Same Day ACH transactions. Understanding those windows is critical for businesses managing cash flow. Knowing when settlement occurs and when funds are available helps organizations better manage and forecast their liquidity.
What is the best way to secure ACH transactions?
Security starts with account validation—making sure the account is legitimate before a transaction is initiated. Nacha compliance is key, as is ongoing risk monitoring to detect anomalies. Alacriti’s Orbipay Bank Account Validation & Verification Service offers an even higher level of protection.
What risk management features are typically available in a modern ACH solution?
Institutions can monitor credit risk exposure, set transaction limits, and enable return rate monitoring controls. Having strong pre-transaction validation helps reduce fraud.
Let’s Talk About Your Payments Strategy
See how Orbipay Payments Hub for ACH modernizes processing, reduces manual work, and lowers operational risk.
