ACH Fallback

Overview

ACH fallback is a feature that allows the Virtual Card Agent to automatically switch from virtual card payments to ACH payments when card processing fees are detected. This ensures you pay the exact invoice amount without additional charges.

How It Works

When you provide ACH account details along with your virtual card information, the Virtual Card Agent will:

1. Attempt card payment first - The agent tries to process the payment using your virtual card
2. Detect processing fees - If the vendor charges additional fees for card payments, the agent automatically detects this
3. Switch to ACH - When fees are detected, the agent switches to ACH payment to avoid the additional costs
4. Complete payment - The payment is processed via ACH at the exact invoice amount

Configuration

To enable ACH fallback, include ACH account details in your cardDetails when making a payment request:

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{
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  "type": "document",
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  "document": "data:application/pdf;base64,...",
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  "cardDetails": {
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    "type": "iframe",
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    "firstName": "John",
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    "lastName": "Doe",
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    "postalCode": "12345",
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    "country": "US",
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    "iframeUrl": "https://www.myvirtualcard.com/iframe/345345",
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    "achDetails": {
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      "routingNumber": "123456789",
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      "accountNumber": "987654321",
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      "accountName": "John Doe",
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      "accountType": "CHECKING"
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    }
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  }
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}

ACH Account Requirements

When ACH Fallback is Triggered

ACH fallback is automatically triggered when:

• Card processing fees are detected - The vendor charges additional fees for card payments
• ACH payment is supported - The vendor portal accepts ACH payments

Example Scenarios

Scenario 1: No Fees Detected

• Virtual card payment proceeds normally
• ACH fallback is not triggered
• Payment completes with virtual card

Scenario 2: Fees Detected

• Virtual card payment attempt detects processing fees
• Agent automatically switches to ACH payment
• Payment completes via ACH at exact invoice amount
• No additional fees charged