Electronic Funds Transfer (EFT)
and
Automated Clearing House (ACH)
*e-Check
and Credit/Debit Card Enterprise Transaction Processes
Agencies may originate electronic payments
using ACH, a highly reliable and efficient batch oriented EFT
system managed by the Federal Reserve Bank (FRB). There are two
primary types of ACH that are available through the Louisiana.gov
Payment Gateway (LPGW):
Direct Payment transactions: a consumer authorizes
an agency to automatically debit a valid bank account for payment.
Examples include: Tax Payments, Fines, Penalties, Registration
and Licensing Fees, Tuition Payments, and Utility Payments.
Direct Deposit transactions: a consumer authorizes
an agency to automatically credit a valid bank account for payment.
Examples include: Payroll, Benefits, Refunds, Vendor Payment,
and Federal Grant Distributions.
The Louisiana.gov Payment Gateway service provides a payment capture
solution for processing ACH transactions via the Internet. LPGW
is a shared service that enables state applications to interface
with and access the payment processing services provided by Bank
One.
The LPGW-ACH enterprise service includes:
- 24X7 support
- Reporting mechanisms for reconciliation of the ACH originations
and exceptions.
- Common APIs for State agencies to be able to incorporate ACH
payment functionality into their application(s)
- Single point of modification for state specific business rules
- Secure and confidential ACH transactions
* Includes manual agency processing of
payments for services and products that include Money Orders,
Mail Orders, Fax Orders, and Phone Orders.
Other required reading.
** (Available to registered
LPGW participants only)
