Overview
We offer the ability to set up dual ACH funding, which allows you to attach two bank accounts to a single merchant account. This configuration is particularly beneficial for managing trust payments, ensuring they deposit into a trust account without that same account being debited for monthly operating fees.
How Dual Funding Works
By default, the system is configured to separate your deposits and expenses:
Primary Bank Account: Receives all processing deposits.
Secondary Bank Account: Handles all outgoing debits (fees).
Customization Options
While the default handles all debits through the secondary account, you can customize specific "debit usages." Some firms prefer to move certain costs back to the Primary Account if they are directly related to client payment activity, such as:
Customer Refunds
Chargebacks
Discount and Transaction Fees
Important Considerations regarding Exceptions
Any activity falling outside of the standard funding process is treated as an exception and will default to the Primary Bank Account.
⚠️ If a debit to your secondary account (e.g., for monthly fees) is returned or fails, funds will be withheld from your primary account deposits until the outstanding balance is collected.
Need Assistance?
To add a new bank account for billing fees or to adjust your debit settings, please contact ClientPay Support.