Trelex Group Fullfills your ACH Debit & Credit Processing Needs

The ACH Network universally accepted by more than 20,000 financial institutions and used by more than 115 million consumers and four million businesses, Trelex Group is on the front line of your electronic payment needs.

Trelex Group is an Automated Clearing House service giving business of all types the tools they need to accept ACH credit, ACH debit and e-check payments automatically. We help businesses including retail, wholesale, government, and Internet & service industry based.

We help these organizations with various types of cash management and direct deposit products. Our software helps business verify and accept e-check payments automatically. Convert checks at the point-of-sale and collect insufficient funds automatically.
Our ATM/debit and credit card payment processing tools allow you to verify—in real-time—whether a customer's account is currently overdrawn, frozen or closed. We have Web-based software tools that give you the option of accepting credit card, electronic check and ATM/debit payments online, in person or on the telephone.

Our tools allow you to direct deposit all funds faster and easier than manual deposits. We can also tailor a payment processing solution for any type of company as well as integrate with your current processing options. Trelex Group is the last ACH network company you will ever need for all your payment processing needs.

How it works

• Day 1: Submission Date - originator (merchant) submits transaction to ACH Processor via real-time, batch or items that are scheduled to go out. This is the submit date. To be effective the following day all transactions must be received by 4:30 PM PST.
  
  
• Day 2: Effective Date - early in the morning the transaction is presented to the RDFI (customers bank); the 48-hour period which the banks have to inform the originator that the item did not pay begins. If the account is closed or is invalid, many banks will be able to send out a rejected item notification to the Federal Reserve on this day.
  
  
• Day 3: Deadline for Returns - by the end of this day, all returned item must be sent by the RDFI to the Federal Reserve. Items that rejected in Day 2 are received from the Federal Reserve through the ODFI (ACH Processor's originating bank). ACH Processor compiles this data and reports it back to the originator.
  
  
• Day 4: Last Day of Returns - the last of the returned items are received and the originators reporting is updated to reflect that. ACH Processor and a credit to the originator for the items that have cleared.
  
  
• Day 5: Funds Available - originator's bank receives the credit from ACH Processor and applies it to the originators account. This typically occurs before the bank opens and funds are available immediately that morning.

If you’re not sure which solution is the best one for your business please fill out a Contact Request form and a Trelex agent will contact you shortly. For immediate assistance, please contact us toll free at 866-894-5452 or by emailing us at info@trelexgroup.com.