This is one of the reasons I just don’t accept e-checks. All someone needs is a used or unused check to know the routing and account number, and if you accept it without seeing proof it’s their account, you could basically be complicit to check fraud. To even consider accepting an ACH payment over the phone, I would want that customer to set that up ahead of time as a payment method, including the voided check thing. I know, there’s also risk with a card not present transaction, but more checks and easier to fix. It just seems creepy that anyone who has seen one of your checks can take money right out of your bank account, and that money is gone, and it’s a difficult process to get it back.
The other reason is the minimum monthly fee to accept ACH payments through my bank is too high, and I don’t feel like setting up a separate processor for e-checks as opposed to scanning paper checks. From: Josh Luthman Sent: Sunday, January 17, 2016 9:08 AM To: af@afmug.com Subject: Re: [AFMUG] Auditing IPpay We pay like $100 a year for an efax account. Customers get a toll free number to fax to, we get it via email. Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Jan 17, 2016 9:30 AM, "Mark Radabaugh" <m...@amplex.net> wrote: Fax - an obsolete technology that just needs to FOAD. For what it’s worth http://www.vitelity.com/services_vfax/ works really well, or if you want to run the platform yourself http://www.faxback.com The customers with check bouncing issues probably don’t have access to a fax in any case. The comment on security issues was in relation to having an image of the check floating around in email, which is a potential liability I don’t need given the customers propensity to get their email passwords hacked on a regular basis. SMS to a cell phone might not be bad other than I don’t like giving everyone (and certainly not disgruntled suspended customers) our cell phone numbers ;-) Mark On Jan 16, 2016, at 4:39 PM, Josh Luthman <j...@imaginenetworksllc.com> wrote: Efax? Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Jan 16, 2016 3:58 PM, "Mark Radabaugh" <m...@amplex.net> wrote: Are you seriously telling me I have to get a fax machine? Making them SMS a picture of the check isn’t a horrible idea. Probably need to think about the security implications a bit. Mark On Jan 16, 2016, at 10:30 AM, Ken Hohhof <af...@kwisp.com> wrote: Maybe that is why some payees insist that you mail or FAX them a voided check before they accept ACH payments from you. From: Mark Radabaugh Sent: Saturday, January 16, 2016 7:12 AM To: af@afmug.com Subject: Re: [AFMUG] Auditing IPpay What really pisses me off is the lusers that figure out that a EFT transaction always authorizes then bounces a couple of days later, so they give you a bogus account to get service turned back on until the check bounces. The bank doesn’t charge them because they made up the account in the first place, but we still get the $10 fee from the bank. Not only did they not pay the bill, they cost us fees. There is a whole list of people we won’t accept EFT’s from anymore. Mark On Jan 15, 2016, at 6:58 PM, Josh Luthman <j...@imaginenetworksllc.com> wrote: That may be the case, but there's no way I could really begin to track that. We do card transactions daily. If I try to compare Powercode's transaction list to Chase my eyes would get dizzy, especially if you throw in delayed transactions from some days. Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Fri, Jan 15, 2016 at 6:49 PM, Cameron Crum <cc...@wispmon.com> wrote: You may have a couple cards that took longer to settle too. I'd check again tomorrow or Monday and see if the money shows up. The vast majority of time, we see funding in 48hrs, but sometimes it is longer. On Fri, Jan 15, 2016 at 5:46 PM, Josh Luthman <j...@imaginenetworksllc.com> wrote: We do minimal ACH, but I definitely appreciate the heads up =) We get (or at least used to...) an email when an NSF happens. Haven't seen that in quite some time, but we also quit doing ACH and probably have 3-5 customers using it. Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Fri, Jan 15, 2016 at 6:43 PM, Cameron Crum <cc...@wispmon.com> wrote: One thing you might check is make sure the ACH charges actually went through if you have them. IPPay will get an approval from the bank and give your system the approval, but if the funds are NSF on the day they draw the transaction will reverse. There is no mechanism for IPPay to report that via their API so it is up to the end user to check their IPPay report. Just an idea. On Fri, Jan 15, 2016 at 2:46 PM, Sterling Jacobson <sterl...@avative.net> wrote: That’s around what I was told and am expecting. I’ll have to check the numbers again to make sure. From: Af [mailto:af-boun...@afmug.com] On Behalf Of Josh Luthman Sent: Friday, January 15, 2016 11:38 AM To: af@afmug.com Subject: Re: [AFMUG] Auditing IPpay I've done fees/total charge and it was 1.99-2.01% I believe Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Fri, Jan 15, 2016 at 1:31 PM, Sterling Jacobson <sterl...@avative.net> wrote: Yes, I see that. So I should be able to audit what Platypus/IPPay says was charged, with what goes into the bank account directly. There are functions for doing that within Platypus, I just haven’t used them in years J Maybe I’m not so concerned about that as much as I’m wondering if the IPPay fees, and merchant fees are on par with the rate I think I’m supposed to be getting. From: Af [mailto:af-boun...@afmug.com] On Behalf Of Josh Luthman Sent: Friday, January 15, 2016 11:26 AM To: af@afmug.com Subject: Re: [AFMUG] Auditing IPpay Merchant fees come out as their own charge at the end of the month. You should receive 100% of what you charge. Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Fri, Jan 15, 2016 at 1:21 PM, Sterling Jacobson <sterl...@avative.net> wrote: I’m wondering the same thing for Platypus billing. At times it seems the merchant fees are a lot higher that I thought they would be looking at the raw incoming in our QuickBooks and the monthly outgoing line item for IPPay and AMEX etc. From: Af [mailto:af-boun...@afmug.com] On Behalf Of Josh Luthman Sent: Friday, January 15, 2016 10:39 AM To: af@afmug.com Subject: [AFMUG] Auditing IPpay Does anyone do any sort of checking to make sure what you charge in billing (ie Powercode) actually shows up in your account (ie Chase)? I don't suspect anything, but the thought occurred after I saw we're short $500 today from what we charged in cards on the 13th. Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373
