Trace ACH

Trace ACH, it's one of the most common and secure ways to move money between bank accounts. PayTrace helps you accept these payments online, which is far more efficient than accepting paper checks or wire transfers.

1 Commonly Ask Questions | 2 Important Terms | 3 Funding Times

Commonly Ask Questions

Q: How long do I have to void a check?

A: You have until 6 p.m. EST to void a check.

Q: When do checks settle?

A: Checks processed during business hours settle at 6 PM EST / 3 PM PST.

Q: Does Trace ACH support International Processing?

A: Not at this time, Trace ACH is limited to US only.

Q: When does PayTrace obtain status updates on checks?

A: We obtain status updates every business day at these times:
11:00 AM, 5:30 PM, 7:00 PM, 10:00 PM ET

Important Terms

Transaction Types

Sale/Debit - A transaction that requests authorization.

Refund/Credit/Payout - Blind Refund (not referencing previous transaction).

Pre-Note - $0 auth to verify the ACH info.

Transaction Status

A - Accepted: Validations passed, in queue to process.

B - Originated: ACH debit issued to bank.

S - Settled: ACH credit issued to destination.

R - Returned: Customer’s bank sent a reject.

V - Voided: Merchant issued a cancellation of transaction.

Trace ACH Check Status Flow Chart

Funding Times

Funding times are counted only on bank business days. The chart below assumes that you submitted the transaction before the daily batch cutoff time of 6 PM EST / 3 PM PST.

Processed day	Settlement Day	Posting Day

Processed day	Settlement Day	Posting Day
Monday	Thursday	Friday
Tuesday	Friday	Saturday*
Wednesday	Monday	Tuesday
Thursday	Tuesday	Wednesday
Friday	Wednesday	Thursday
Saturday	Thursday	Friday
Sunday	Thursday	Friday