Add-Ons - ECRYPT Docs

ECRYPT offers optional add-on services to enhance your ACH integration with faster funding, real-time payments, and account validation tools. Contact your account manager to enable any of the services below and learn about pricing.

Value Added Services

Service	Description
Premium Funding	Accelerates ACH settlement to 1-2 business days instead of the standard funding timeline.
Same Day ACH Origination	Submits ACH transactions through the Same Day ACH network for same-business-day settlement.
Real Time Payments (RTP)	Sends payments instantly via the RTP network, with funds available to the recipient within seconds.

Authorization & Validation Services

Service	Description
Basic Account Validation	Confirms that a bank account number and routing number form a valid combination.
Enhanced Account Validation	Verifies account validity and checks whether the account is open and able to receive transactions.
Premier Account Validation	Provides the highest level of account verification, including ownership and status confirmation.
Consumer Identity Verification	Validates that the account holder’s identity matches the name provided during enrollment.
Credentialed Token Creation	Uses a credentialed data provider (such as Plaid) to generate a secure, reusable account token.
Credentialed Balance Check	Retrieves a real-time balance from the account holder’s bank via a credentialed data provider (such as Plaid).

ACH Overview Google Pay™

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