With bulk ACH payments, businesses can save significant time and effort by processing a large volume of transactions simultaneously. Instead of creating and submitting dozens of individual payments, they can complete a single workflow to handle payroll, vendor payments, and more. Businesses get better visibility into all transactions from a unified view and can enter clear payment descriptions to simplify reconciliation. Note: Bulk ACH payments are only supported on the web app, not the mobile app.
For more information on ACH payments, go to About ACH Payments. For individual payment instructions, go to Make an Individual ACH Payment.
To make a bulk payment:
From the web or mobile app, select Transfer > ACH payment > Make bulk payment.
On the page that appears, enter the Payment details that will apply to all of the payments in the table:
Payment title – If you use the combined summary, payments will appear as one total per day on your statement, using this payment title.
From account – The source account for the payment
Payment type – The transaction type that goes into the NACHA file.
Entry description – The purpose of the payment that goes into the NACHA file. To customize the list of entry descriptions, please contact your Narmi Relationship Manager. Default entry descriptions are:
Ext Transf – General external transfers
Payroll – Employee salary and wage payments
Bill Pmt – General bill payments
Refund – Reimbursements or returned funds
Loan Pmt – Loan repayments
Internal note (optional) – Add an internal memo
Select View your ACH limits and disclosures to view the ACH payment disclosure text and organizational payment limit for the business. To update the disclosure in Narmi Command, go to Configurations > Institution settings > Institution Ach Payment Disclosure.
In the Your payments section, enter the following information for each payment you want to send:
Date – Select today’s date to open a calendar to change the date.
Recipient – Select a recipient from the dropdown. To add a new recipient, select Add recipient. Go to Add an ACH Payment Recipient for more information.
Description (optional) – Add details like an invoice number to help you identify this payment. This description appears on the statement.
Amount – The payment amount
Select Add payment to include each additional payment.
You can also duplicate or delete a payment. Select the box next to the payment row and choose Duplicate to create a copy, or Delete to remove it.
You can choose how payments will display on your statements. By default, payments appear on your statement as separate transactions. To change this, select Edit below the table.
A dialog box appears where you can select:
Individual payments – Each payment is a separate line with its own amount on your statement. If provided, the description also appears on the statement.
Combined summary – Each day’s payments are grouped into a single total amount on your statement, labeled with the payment title.
Select Save changes.Once you have added all the payments, select Review.
On the page that appears, review details. Select View # payments to view the individual details.
Select Submit.
A payment receipt appears. Select Done to be directed to the Payment Activity page or select Make another payment.
If the business has dual approvals enabled, payments are submitted for approval to all Org users with permissions to approve payments on the web app and mobile app. For more information, go to Using Dual Approvals for ACH Payments.
A payment scheduled for a future date will undergo risk evaluation on the day it is scheduled, along with other steps, such as balance and limit checks. Each individual payment within a bulk payment is evaluated individually. Once each payment passes risk evaluation, whether automatically or manually, we send an email to the user confirming the initiation of each payment. To learn about the bulk ACH payment communications we send, go to End-User Communications - Bulk ACH Payments.For more information on manually approving payments that your institution's risk settings have flagged, go to Use DB ACH Manager for Review.