ÿþ<?xml version="1.0" encoding="iso-8859-1" ?> <!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <html xmlns="http://www.w3.org/1999/xhtml"> <head> <title>ACH Transfer, Electronic Payment System, ACH Commerce, ODFI, RDFI</title> <meta name="keywords" content="ach transfer,electronic payment system,ach commerce,odfi,rdfi" /> <meta name="description" content="ACH Transfers at Checkgateway. Your resource for electronic payment systems, ach commerce information, originating depository financial institution data and receiving depository financial institution data" /> <meta name="robots" content="index,follow" /> <link rel="stylesheet" href="cssMain.css" type="text/css" /> <script language="JavaScript" type="text/JavaScript" src="Checkgateway.js"></script> </head> <body onload="MM_preloadImages('images/more2.gif','images/navbutHome2.gif','images/navbutProducts2.gif','images/navbutResellers2.gif','images/navbutNews2.gif','images/navbutCompany1.gif','images/navbutContact2.gif','images/navbutCompany2.gif','images/homeIntro1-linkaRO.jpg','images/signup2.gif','images/homeIntro1-linkbRO.jpg')"> <table width="752" border="0" cellspacing="0" cellpadding="0" align="center"> <tr> <td background="images/navBg.gif" align="center" colspan="3"> <table width="752" height="100" border="0" cellspacing="0" cellpadding="0" id="Table3"> <tr> <td width="230" align="left" valign="top" rowspan="2"> <a href="http://www.checkgateway.com"><img src="images/ach-processing-logo.gif" width="230" height="73" alt="Electronic Payment Gateway"/></a></td> <td width="467" height="65" align="right" valign="middle"> <h3 style="width: 200px; height: 25px; display:block; background: url(images/navSlogan.gif) no-repeat top left; padding: 0; margin: 0;"><span style="display:none;">Your Electronic payment gateway</span></h3> </td> </tr> <tr> <td width="522" height="35" align="right" valign="bottom"> <table border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td><a href="index.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutHome','','images/navbutHome2.gif',1)"><img src="images/navbutHome1.gif" name="navbutHome" width="69" height="35" border="0" id="navbutHome" /></a></td> <td><a href="payment-gateway-products.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutProducts','','images/navbutProducts2.gif',1)"><img src="images/navbutProducts1.gif" name="navbutProducts" width="69" height="35" border="0" id="navbutProducts" /></a></td> <td><a href="resellers.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutReseller','','images/navbutResellers2.gif',1)"><img src="images/navbutResellers1.gif" name="navbutReseller" width="69" height="35" border="0" id="navbutReseller" /></a></td> <td><a href="resource-center.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutResource','','images/navbutResource2.gif',1)"><img src="images/navbutResource1.gif" name="navbutResource" width="69" height="35" border="0" id="navbutResource" /></a></td> <td><a href="news.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutNews','','images/navbutNews2.gif',1)"><img src="images/navbutNews1.gif" name="navbutNews" width="69" height="35" border="0" id="navbutNews" /></a></td> <td><a href="company.shtml" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutCompany','','images/navbutCompany2.gif',1)"><img src="images/navbutCompany1.gif" name="navbutCompany" width="69" height="35" border="0" id="navbutCompany" /></a></td> <td><a href="contact.aspx" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('navbutContact','','images/navbutContact2.gif',1)"><img src="images/navbutContact1.gif" name="navbutContact" width="69" height="35" border="0" id="navbutContact" /></a></td> <td><img src="images/navRight.gif" width="6" height="35" /></td> </tr> </table> </td> </tr> </table> </td> </tr> <tr> <td height="149" background="images/internalTopBg.gif" colspan="3" align="center" valign="middle"> <table width="732" height="141" background="images/internalHeaderResellers.jpg" border="0" cellspacing="0" cellpadding="0" align="center" valign="middle"> <tr> <td align="right"> <div id="loginForm"> <form action="https://epn.checkgateway.com/MerchantCenter/MERCHANTLogin.aspx" method="post" style="margin: 0; padding: 0;"> <table border="0" cellspacing="0" cellpadding="0" valign="bottom"> <tr> <td width="125"><strong>CLIENT LOGIN</strong></td> <td>Username:&nbsp;</td> <td> <input type="text" name="entityid" class="formfields" size="15" style="background-color: transparent; border: 1px solid #999;" /> </td> <td width="75" align="right">Password:&nbsp;</td> <td> <input type="password" name="entitypw" class="formfields" size="15" style="background-color: transparent; border: 1px solid #999;" /> </td> <td>&nbsp;</td> <td><input type="image" name="submit" src="images/loginButton1.gif" width="22" height="22" /></td> <td width="15">&nbsp;</td> </tr> </table> </form> </div> </td> </tr> </table> </td> </tr> <tr> <td width="157" valign="top"> <div id="internalNav"> <img src="images/pixelTrans.gif" width="157" height="30" /><br /> <table width="157" border="0" cellspacing="0" cellpadding="0"> <tr> <td> <table width="136" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td height="21"> <!--glossary nav--> <h2 style="margin:0;padding:0">Glossary of Terms</h2> <div id="glossary-nav"> <ul> <li><a href="glossary_a-b.shtml">A-B</a></li> <li><a href="glossary_c-d.shtml">C-D</a></li> <li><a href="glossary_e-f.shtml">E-F</a></li> <li><a href="glossary_i-j.shtml">I-J</a></li> <li><a href="glossary_l-m.shtml">L-M</a></li> <li><a href="glossary_n-o.shtml">N-O</a></li> <li><a href="glossary_p-r.shtml">P-R</a></li> <li><a href="glossary_s-t.shtml">S-T</a></li> <li><a href="glossary_u-z.shtml">U-Z</a></li> </ul> </div> </td> </tr> <tr> <td height="21" background="images/navBarBg.gif"> <img src="images/pixelTrans.gif" width="1" height="1" /> </td> </tr> <tr> <td> <div id="article-nav"> <h2 style="margin:0;padding:0">Articles</h2> <ul> <li><a href="ach-payment-processing2.shtml">What is ACH Processing?</a></li> <li><a href="ach-payment-processing1.shtml">Fraud Scrubbing Software Offers Efficient Consumer Fraud Protection</a></li> <li><a href="consumer-fraud-protection.shtml">How does ACH Processing Impact Your Bottom Line</a></li> <li><a href="electronic-check-payment-processing.shtml">E-Checks</a></li> <li><a href="ach-payment-processing3.shtml">Understand ACH Commerce Better with Our Electronic Payment System Flow Chart</a></li> <li><a href="chargebacks.shtml">Chargebacks Are a Significant Part of ACH Processing Services</a></li> <li><a href="identity_theft.shtml">Combat Identity Theft with Address Verification Services and Other Fraud Protection Tools</a></li> <li><a href="nacha.shtml">NACHA Protects and Improves the Payment Processing System</a></li> <li><a href="making_money_resellers.shtml">How Can a Reseller Opportunity Result in You Making Money?</a></li> <li><a href="benefit_resellers.shtml">How Can You Become a Reseller and Benefit from a Successful Reseller Program?</a></li> <li><a href="client_security.shtml">How Does CheckGateway.com Provide a Secure Payment Gateway for You?</a></li> <li><a href="merchant_accounts.shtml">Efficient Merchant Account ACH Processing and Other Services for the Online Retailer</a></li> <li><a href="ach-credit-card-software.shtml">Enjoy the Flexibility and Versatility of ACH Software</a></li> <li><a href="ach-online-retailers.shtml">Use ACH Transfer to Bolster Your Online Retail Business</a></li> </ul> </div> <!--end glossary nav--> </td> </tr> <tr> <td height="21" background="images/navBarBg.gif"> <img src="images/pixelTrans.gif" width="1" height="1" /> </td> </tr> </table> </td> </tr> <tr> <td><img src="images/internalPhone.gif" border="0" width="157" height="35" /></td> </tr> </table> <br /> <br /> </div> </td> <td background="images/internalBodyBg.gif" width="409" valign="top"> <img src="images/InternalTitleResourceCenter.gif" width="409" height="54" /><br /> <div id="internalBodyContent"> <h2>Understand ACH Commerce Better with Our Electronic Payment System Flow Chart</h2> <p>At the beginning of the ACH transfer cycle, the originator of the transaction whether it be company, employer or customer interacts with the originating depository financial institution (ODFI). The ODFI passes along to the ACH operator at the Federal Reserve, who reviews the transaction, then sends it on to the receiving depository financial institution (RDFI). From the RDFI, the final recipient is the receiver, which is the customer, employee or company. Written authorization is then sent back to the originator to confirm a valid ACH commerce transaction. </p> <p>This electronic payment system improves the efficiency and timeless of electronic fund transfers. ACH transfer can be used for all types of payment processing, large or small. </p> <p>CheckGateway.com has the capability of handling accounts of any size while maintaining client satisfaction. Look around our site to learn more or call us at 1-480-785-2262 for further details. </p> <img src="images/ach_diagram.png" alt="ACH Flow Chart" /> </div> </td> <td width="186" valign="top"> <div id="newsHeader"> <a href="news.shtml"><img src="images/pixelTrans.gif" width="167" height="41" /></a><br /> <br /> </div> <div id="homeNews"> <div id="news"> <!--#include file="SSI\news.shtml" --> </div> </div> </td> </tr> <tr> <td><img src="images/internalBodyFooter.gif" width="156" height="3" /></td> <td><img src="images/internalBodyFooter.gif" width="409" height="3" /></td> <td><img src="images/internalBodyFooter.gif" width="183" height="3" /></td> </tr> <tr> <td height="50" align="center" valign="middle" colspan="3"> <table width="752" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="center"> <span class="textGrey"> <a href="http://www.checkgateway.com">Home</a> | <a href="payment-gateway-products.shtml">Products &amp; Services</a> | <a href="resellers.shtml">Resellers</a> | <a href="resource-center.shtml">Resource Center</a> | <a href="news.shtml">News</a> | <a href="company.shtml">Company</a> | <a href="contact.aspx">Contact</a> | <a href="sitemap.shtml">Site Map</a> | <a href="privacy.shtml">Privacy Policy</a> <br /> </span> 2010 Copyright, Checkgateway </td> <td width="29">&nbsp;</td> </tr> </table> </td> </tr> <tr> <td height="45" align="center" colspan="3"> <!-- START SCANALERT CODE --><img src="images/acalogo.jpg" /> <a href="https://www.scanalert.com/RatingVerify?ref=www.checkgateway.com" target="_blank"><img width="65" height="37" border="0" src="http://images.scanalert.com/meter/www.checkgateway.com/31.gif" alt="HACKER SAFE certified sites prevent over 99.9% of hacker crime." onContextMenu="alert('Copying Prohibited by Law - HACKER SAFE is a Trademark of McAfee, Inc.'); return false;" /></a> <a target="_BLANK" title="Checkgateway BBB Business Review" href="http://www.bbb.org/central-northern-western-arizona/business-reviews/bill-paying-service/checkgateway-in-phoenix-az-15003530/#bbbonlineclick"><img alt=" Checkgateway BBB Business Review" border="0" src="http://ourbbbonline2.bbb.org/Phoenix/BBBOnlineSeal/15003530/H2/0/seal.png" /></a><!-- END SCANALERT CODE --> </td> </tr> </table> <script type="text/javascript"> var gaJsHost = (("https:" == document.location.protocol) ? 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