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Top-Quality Check 21 Software & ACH Payment Solutions

Propel your payments to a new level of security and processing. At Chetu we customize your ACH payment processing and Check 21 capabilities to seamlessly integrate echeck processing functionality and credit card processing with secure verification systems and enhanced UX designs.

ACH eCheck Solutions

ACH eCheck Solutions

We build custom programming platforms for processing ACH payments with modules to automate ACH file creation, check verification and transmissions to various financial institutions. We engineer apps to expand processing capabilities to accept and process all types of electronic checks and create Remotely Created Check (RCC) images for presentment and deposits.

ACH Payment Solutions & System Integration

ACH Payment System Integration

We offer secure ACH (Automated Clearing House) database development integrated to CRM platforms to store accounts, routing numbers, check imaging remittance, automated clearing and customer information on cloud and/or mobile devices. We create web based platforms for processing single or reoccurring transactions, to intuitively route between multiple payment methods (like e-checks and credit cards) and is able to be configured for point-of-sale hardware.

Check 21 and Electronic Check Processing Services

Check 21 and Electronic
Check Processing Services

Our developers customize Check 21 truncation solutions to integrate with MICR check scanner hardware such as RDM, Panini, Canon, Epson, and Burroughs. We develop custom check imaging platforms for integration with e-payment processing as well as third-party check scanners, readers, and credit card terminals for processing and settlement of checks at the point-of-sale (POS).

Check 21 Remote Deposit Capture Development

Check 21 Remote Deposit
Capture Development

We create custom Optical Character Recognition (OCR) algorithms to integrate with ParaScript and A2iA to accurately interpret plus analyze CAR/LAR check data. We develop Parse MICR and OCR data software solutions to create Image Cash Letter files (ICL/x9.37) for remote deposit. We also build secure FTP and server development for batch, single, or recurring Remote Deposit Capture (RDC) software.

AI-Powered ACH Solutions

Automated Clearing House (ACH) solutions are electronic payment systems that facilitate secure, automated fund transfers between bank accounts in the U.S. Machine Learning for ACH and Natural Language Processing are integrated into ACH to enhance efficiency and security. They fuel features that streamline processes, reduce fraud risks, provide personalized customer experiences, and enable data-driven insights for informed decision-making.

AI-Powered Fraud Detection and Prevention

Our team can implement AI algorithms that analyze transaction data in real-time to detect anomalies and potential fraudulent activities. The Machine Learning models continuously learn and adapt to new fraud patterns, improving accuracy in identifying suspicious transactions. AI can also use behavior analysis to create profiles of legitimate users, making it easier to spot suspicious behaviors.

Enhanced Risk Assessment with AI

Our experts can develop AI that assesses the risk with each ACH transaction based on transaction history, user behavior, and location. It assigns risk scores to transactions and triggers additional verification steps for high-risk transactions. AI can also assess the creditworthiness of individuals for businesses applying for ACH payment solutions, helping financial institutions make informed lending decisions.

Customer Verification Supported by AI

Our developers can integrate facial and voice recognition that can be used for multi-factor authentication to ensure the identity of the users initiating ACH transactions. ACH Cybersecurity with AI ensures accurate authentication for security. Additionally, AI-powered chatbots and virtual assistants can provide real-time ACH support via AI for users during the payment process, helping with identity verification, queries related to ACH payments, account balances, and transaction history, reducing the load on customer support teams.

Payment Processing Powered by AI

We can develop an ACH Payment Automation solution that streamlines payment processes by categorizing and routing transactions to the fitting departments or accounts. Additionally, Intelligent ACH payments optimize cash management by scheduling payments based on historical trends and cash flow forecasts. More importantly, AI-powered ACH transfers enhance the transferring of electronic funds that enable the movement of money between bank accounts.

AI-Powered Predictive Analytics

Our experts develop predictive ACH analytics that forecast businesses' cash flow and payment patterns, helping them make informed financial decisions. It can predict future payment delays or defaults, allowing businesses to take proactive measures. AI can analyze ACH transaction data to identify trends, customer preferences, and potential areas for cost savings or revenue generation. It provides insights into customer behavior and transaction patterns.

Optimized Compliance & Reporting with AI

We can implement AI algorithms that ensure compliance with regulatory requirements by continuously monitoring transactions for suspicious activity. AI-driven ACH compliance can enforce these compliance standards by providing accurate and auditable reconciliation records. This smart ACH reconciliation creates records that handle large volumes of transactions efficiently.


Chetu's payments software development experts ensure your software complies with consumer protection standards including Payment Card Industry Data Security Standard (PCI-DSS), Payment Application Data Security Standard (PA-DSS), EMV, Check-21, NACHA, and other payments standards.

Frequently Asked Questions About ACH Payment Software Solutions

Automated Clearing House network payments are fund transfers between two financial institutions utilized to complete direct deposit payments for paychecks, business expenses, and recurring account debits.

Our ACH experts utilize your existing data from programs such as QuickBooks, Microsoft SQL Servers, and other major accounting programs and export data to all participating financial institutions to fully automate payments, expenses, and debits. Chetu’s financial software experts ensure full compliance while automating payroll and other critical expense tasks.

ACH software payment programs automate business expenses, streamline payroll, and are designed to process recurring payments seamlessly. ACH transfers are FDIC compliant and can be processed remotely and quicker than traditional payment methods. ACH payments feature reduced processing fees, eliminating expenses of traditional payroll processes.

ACH payments are flexible and can be applied to any expense, including B2B transactions, payroll, and consumer. ACH payments are a cost-saving option to process and send payments, enabling merchants to mitigate credit card processing fees.

ACH payments are secure and FDIC-compliant, enabling more security than traditional credit card payments due to enhanced network security and data encryption. Financial institutions engage in stringent monitoring and verification to ensure the validity of all account holders during ACH payment processes.

ACH payments are a flexible, and cost-effective option and can be processed for a nominal, flat-rate fee. Business owners utilizing credit cards for payment methods are often charged far higher rates to process transactions. ACH debit transfer costs and payroll direct deposit are generally free, dependent on financial institution guidelines.


Drop us a line or give us ring to learn more about our ACH payment solutions & Check 21 software services. We would love to hear from you and are happy to answer any questions.

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