Merchant Portal for ACH Payment Gateways

Merchant Portal for ACH Payment Gateways – A Case Study

Written by Pravin Vazirani Posted March 26, 2014 by Carolina
Pravin Vazirani

Pravin Vazirani


The client is a leading direct ACH payment and paper check processor that provides businesses the ability to transfer funds into or out of a merchant's bank account. Up to this point, the client depended on a 3rd party agent to capture transactions from the merchant.

The client requested from Chetu the design and development of an in-house merchant portal to capture transactions directly from the merchant and integrated with their existing ACH payment gateway in order to process those transactions in real time.

Business Objective

By building an in-house merchant portal integrated with their ACH payment gateway, the client would minimize its commission costs and could offer advanced customization and reporting features to the merchant. The objective was to build a fully configurable and scalable merchant portal for white labeling that would allow the merchant to submit transactions to be processed by the client's payment gateway and provide the merchant a response in real time.

Solution From Chetu

Merchant Portal Development

Drawing on its vast experience developing and integrating payment gateway and payment processors, Chetu developed a fully configurable merchant portal designed to capture merchant transactions and for white labeling.

The portal designed by Chetu was fully equipped with standard and advanced reporting features enabling the merchant to identify the total number of pending, settled and returned transactions.

The Chetu team was also able to integrate the portal with the client's existing ACH payment gateway to process transactions in real time. Chetu went beyond the existing scope by delivering a solution that not only helped the client further expand their business relationship with existing merchants but also add new accounts as well.

 Results Delivered

The Chetu team delivered a fully configurable and scalable merchant portal within 3 months, which saved the client up to 70% on development costs. With the in-house merchant portal designed by Chetu, the client could now offer merchants a better experience while eliminating the costs incurred by 3rd party agents.


Chetu, Inc. does not affect the opinion of this article. Any mention of specific names for software, companies or individuals does not constitute an endorsement from either party unless otherwise specified. All case studies were written with the full cooperation, knowledge and participation of the individuals mentioned.

Chetu's Finance team implements solutions for the Finance industry. Chetu differentiates itself in providing industry specific expertise combined with its low cost, high productivity model. You can find more information about the portfolio of our Finance experience at:

Chetu was incorporated in 2000 and is headquartered in Florida. We deliver World-Class Software Development Solutions serving entrepreneurs to Fortune 500 clients. Our services include process and systems design, package implementation, custom development, business intelligence and reporting, systems integration, as well as testing, maintenance and support.Chetu's expertise spans across the entire IT spectrum.

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