Hi, I wanted to get some opinions regarding ACH integration (Credit Cards later). I understand this is a broader topic but looking for directions/guidance We were told Cybersource is the way to go and we got it integrated but their support has been very disappointing. 2nd we were also told cybersource can do ACH so we were excited as it was presented as a Plug and Play and minor configuration. After this was said and done, I integrated the API however, im getting the run around and now im told oh ACH will not be available for another 9-12 Months. Which is unacceptable. as of this post I need to figure out a way for ACH to be processed within our system then I can worry about Credit cards. what or how are you doing it now?

Not trying to promote any service, but we have been using Cybersource for over a decade now. And while Cybersource has e-check capabilities, it has never been part of the NetSuite integration to my knowledge. Their NS integration is quite dated at this time, and that presents some problems, like the fact they cannot send level III data, which leads to higher fees. We were also told Cybersource was the best solution when we started, but it feels like their solution was old a decade ago, and has just stagnated further ever since. We tried alternatives, such as Solupay (Versapay), but that only improved the credit card payments, they had not ACH solution either. Eventually, we looked at Stripe and Paystand, both of which can handle ACH and Credit Cards. We went with Paystand just because the ACH fees were a bit high with Stripe, and that was going to be a significant cost for us. So, there are other options. Also, you don’t have to accept payments all through one company, you could certainly use two payment providers: Cybersource for credit cards and Stripe/Paystand/??? for ACH. Netsuite also has their own solution for ACH payments, and we have used that in the past too. It has to be set up by users in your own NetSuite account (it’s not self-service for customers), but it does work and may be all you need. We simply wanted something customers could set up and manage themselves, which the Netsuite bank payment solution does not offer out of the box.

hi @scottvonduhn Yes I totally agree with what you have mentioned. At this point im considering the dual providers option since I already integrated cybersource. But im not happy with their support and im worried about if I need support and if they will be there or just ignore as they have been so far. We had the same wants, were the customer could setup and mange themselves but since I have a deadline I might consider the native Netsuite ACH option for the time being.

we have had an ongoing issue for many years with GBP Amex payments in the UK being incorrectly flagged as Accepted, when in fact they were Declined, but repeated requests for help on that issue (though it has cost us time, money, and made us look bad to customers) have yielded no help. Their support doesn’t even bother to reply to us.

Hi both, just for your information, we have a fully integrated Stripe connector and various bank connectors that deal with ACH uploads from NS straight into the bank (with approvals possible either at NS or bank level). We are also working with various banks to include Credit card transactions. We would be happy to have a chat with you and your bank (if it's one we don't currently deal with) Thanks

When Stripe told us about their ACH solution, it actually used a separate service - Plaid. Is your service pairing a different ACH approach alongside Stripe instead?

Depending on when you spoke to Stripe, that may well have been their answer. We have only recently become partners. We don't use a third party integration, we integrate directly to Stripe using webhooks. Happy to have a more detailed chat or send you some information.

Given that we just went through the process to launch Paystand, it’s unlikely we’ll change or pivot to anything else so soon. However, we always like to evaluate where we are at every few years to make sure we are using the best services available, so could be interesting to look at Stripe again in the future. Even with the fees, they were still our #2 choice, and we’d probably have gone with them had another option not worked out better for us.

I completely understand, Stripe now recommend our connector for NetSuite customers so our paths may well cross when it comes to re-evaluation time. 🙂 In the meantime, we have been approached by several banks including JP Morgan to work with them on a Credit card solution. If you have a contact at AMEX that would be willing to work with us, we would be more than happy to look at your Credit card issue. Thanks