ACH Direct FAQs

Frequently Asked Questions

Authorizations that are added, modified or deleted in ACH Direct and reject decisioning actions are performed by one user and approved by another; depending on the 2 specific parameters established for each associate:

  1. Associate Level
    • Level 1 – Can add, modify or delete authorizations and decision pending rejects. Cannot approve those actions taken by others
    • Level 2 – can perform the actions of Level 1 and also approve the actions taken by others (either Level 1 or Level 2 associates).
  2. EPA Maximum Dollar Limit

The EPA Max Dollar Amount assigned to an associate is the maximum transaction amount not requiring secondary approval. Secondary approval does not take into account the user’s EPA Maximum Dollar Limit.

No. If an item is presented that meets your filter criteria, it will not be presented for decisioning.

Absolutely. If ACH Direct Administrator(s) have been established for your company, the Corporate Administrator can set the Associate Level at 1 or 2 and establish the transactional maximum dollar limit for each user within your company.

The action taken is not completed until the secondary approval occurs. This could mean that an authorization is not in place when a transaction is received and it will appear in reject decisioning; or, that a transaction that has been accepted is returned. Because of this impact, if the pending approval expires, Key recommends that there be at least two Level 2 employees available at all times. You may decide that your needs are met by having all Level 2 associates, but varying the individual dollar limits.

ACH Direct will send email notifications to specified associates not only when actions are taken requiring secondary approval; but also when the pending dual approval has expired. If you prefer to actively look for the pending items, under the EPA menu, you will find two options – EPA verification and reject verification:

  1. EPA verification displays the list of Authorization additions, changes and deletes which require secondary approval.
  2. Reject verification lists the decisioned transactions pending dual authorization.

There are two possible scenarios:

  1. Enough time has passed that the ACH system has re-evaluated the entry to pay it. This occurs at approximately 7:00 pm ET on the date listed in the email you received when the item was first presented.
  2. Dual authorization is required and the entry is now in the reject verification queue.

The secondary approver can deny (i.e. refuse) the item from the EPA or reject verification queue or the employee who took the original action in error can delete it from the relevant verification queue. Either must occur before the pending EPA action expires. Pending rejected transactions return to the reject decisioning queue, whereas the authorization action is cancelled.