What is the difference in a credit vs ACH/EFT batch files?

Uploading batch files to your account is an effective way to process transactions for multiple consumers at the same time. You can upload credit files or ACH/EFT files. The difference between the two is whether you are processing a transaction against someone’s credit card, or debiting/crediting from their bank account. 

Must know:

  • You need to be an administrator of your account to upload batch files or have Full Access to Batch Processing.
  • Depending on what your account type supports, you can either upload a credit card batch file, ACH/EFT batch file, or both. You will need to know which type of batch processing your account supports. If you are unsure, please contact Customer Care.

What is the difference in a Credit vs ACH/EFT batch files?

  • A credit batch file contains only credit card transactions. 
    • The transactions will process shortly after the selected Processing Date when uploading your file. You can also run the file on-demand by clicking on the pen & paper icon, then selecting ‘Process’.
  • An ACH/EFT batch file is to debit or credit a customer’s bank account. 
    • ACH stands for “Automated clearing house” and is for American bank accounts.
    • EFT stands for “Electronic funds transfer” and is for Canadian bank accounts.
    • ACH/EFT batch files will have a 3-5 day processing lag time, to support debiting the funds from your customer and then crediting them to your account. The process is not immediate like credit card batch files are. 

Good to know:

  • You can not use both EFT and ACH on one account. If you are processing both CDN and USD funds, you need to have two separate Bambora accounts to support each currency. 
  • If you have Credit Card and EFT/ACH batch processing enabled, you can not mix both types in one file. Credit card transactions and bank payments need to be in separate files because they process at different times. 
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