As ACH/EFT Transaction processing is not processed in “real time” like credit card transactions. There can be processing delays while the data is moving between iATS, our bank and the donor's bank.

When ACH/EFT transactions are submitted to iATS, we will submit them to our processing bank as per the following schedule:

Monday and Tuesday: File sent twice per day (3am and 3pm)
Wednesday to Friday: File sent once per day (3pm)


When ACH/EFT transactions are sent to iATS for processing, there are three stages which each transaction will go through:

1.) Immediately following the submission, each transaction will be listed as “Tobesent” within iATS systems. This stage indicates the transaction is waiting to be sent to iATS’ bank as per above schedule.

2.) Once the transactions have been sent to the bank, but before final approval/rejection has been received, each transaction will be listed as “Pending”. A response should be received within one business day. Once a response has been received, each transaction will be listed as EITHER OK:BankAccept, or OK:Reject. These results can be pulled using our WebService ReportLink options if desired.

3.) Once a response has been received, each transaction will be listed as EITHER OK:BankAccept, or OK:Reject. These results can be pulled using our WebService ReportLink options if desired.

All transactions with the result “OK:Bank Accept” will be sent to the donor’s bank for final approval. At this point, the donor or the donor’s bank may refuse the debit, for example because of an account closure or insufficient funds.

If this occurs, a separate return is recorded on the iATS Journal report and a notification email is sent to the client. These returns can be pulled using our WebService ReportLink options if desired.