ACH Validation
What is ACH validation?
ACH validation is a process used to verify the routing number, account number, and if the account is open/active.
Why do ACH’s need to be validated?
To comply with federal requirements that are meant as a security protocol, all ACH transactions need to be validated on student records that have or add a checking/savings payment method in Pete’s Payment Options.
Is there anything that I need to do??
Unless, your saved payment method is incorrect, no action is needed on your behalf.
If we are unable to validate the account information, you will receive the following message and you will need to update account information.
What if my account number and routing number are correct but I am still receiving an, “error validating” message?
Payers using new bank accounts may fail validation, even though the account number and routing number are correct. Banks are responsible for updating Validation Services with new accounts however, if your account information is correct, please email sbs@utep.edu so we can assist you.
What if I want to pay with a new checking/savings account?
You will need to create an electronic check payment profile in your Pete’s Payment Options that will need to be validated before you are able to use it.
How long does it take to validate my checking/savings account?
Information will be validated in real-time (immediately). After successful validation, the user must explicitly authorize the transaction by accepting the ACH payment agreement.
Why was my ACH payment returned unpaid by my bank if ACH was validated?
ACH validation service verifies the routing number, account number, and if the account is, open. This validation does not verify that there are funds available on the account or if the account can be debited. Payments may still be rejected at the discretion of the bank and will be subject to the returned service charge of $30.00.
Will I be able to continue using ACH payments if my bank returns it unpaid?
You will be required to pay the check amount plus returned service charge of $30.00 using certified funds (credit card, money order or cash) and will then be able to continue using ACH payments.
After three (3) returned checks, you will no longer be able to pay with an ACH.
Check sample displaying were you can find your routing number and account number. If you don’t have a copy of a check please contact your bank for assistance.
If you have additional questions please email us at sbs@utep.edu.