---
title: ACH Requirements
slug: jpmorgan/ach-requirements
description: Learn about the requirements that must be met to make payments using ACH.
docTags: 
createdAt: 2022-08-02T19:47:13.000Z
---

ACH** **payments are used to move funds within the United States only and must always be in USD.

For NetSuite users, the Entity Bank Details bundle is required to process ACH payments through the plugin.

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## Vendor & Bill Requirements

To prevent payment delays or returns, all payments are required to have the following three requirements:

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### Vendor Record

The Entity's full legal name, address, and phone number must be accurately populated on the Vendor record.
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### Billing Address and Location

The Entity and Bill (if applicable) Billing Addresses must be located in the country of destination and must match the country specified in the Entity Bank Details record.
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### Currency

The currency for the Entity Bill must be in USD.
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***

## Payment Requirements

**Payment Context**

- **Method: **Domestic
- **Country:** United States 
- **Currency:** USD

**Requirement Information**

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**Routing Number** is mandatory.
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**Account Number** is mandatory.
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***

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## ACH Payments via NetSuite

To ensure seamless ACH processing, all payments must have a source account located within the US and have a currency of USD. 

### NetSuite Vendor Record Requirements

The following fields must be accurately populated on the Vendor record in NetSuite.

- **Company Name**: Max 140 characters
- **Type**: Company or Individual
- **Address**: Must be a valid US Address

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**IMPORTANT**: Do not use the **Override** feature on the address, as it can interfere with the extraction of accurate address information.
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- **Phone Number: **Optional

The** Company Name, Type,** and **Address** of the vendor are required. This information lives on the Vendor record and resides in default fields as part of the base NetSuite. 

::Image[]{src="https://api.archbee.com/api/optimize/MM6nC_bKbIkwCRqiFZqEu/EbIxVpYsmsAcU6Iw5PJhJ_vendor-netsuite-myers-coaching-services-ltd-2023-07-10-15-23-57.png" size="80" width="937" height="426" position="center" caption="Type, Company Name and Address are required for ACH payments." darkWidth="937" darkHeight="426" showCaption="true"}

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**NOTE: Print on Check As **will be used as the vendor name when populated. This is the beneficiary's name that will be transmitted in any remittance. 
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### NetSuite Vendor Bank Account Requirements

For NetSuite users, the Entity Bank Details bundle is required to process ACH payments through the plugin. To learn more about this bundle, use the menu on the left to navigate to the NetSuite Plugin Setup. 

Once installed, this bundle can be accessed via the Vendor record under the tab **Entity Bank Details**. 

The following fields must be accurately populated:

- **Method**: Domestic
- **Country**: United States
- **Currency**: USD
- The account must be marked as **PRIMARY**
- **Type of Accounts**: Default is **Checking**
- **Account Number**: Expected between 5 and 18 digits
- **Routing Number**: Exactly 9 digits

::Image[]{src="https://api.archbee.com/api/optimize/MM6nC_bKbIkwCRqiFZqEu/6lfPGZqfzgyppOg58rvtz_vendor-netsuite-myers-coaching-services-ltd-2023-07-10-15-33-17.png" size="80" width="1807" height="735" position="center" caption="ACH payments require destination bank details to be stored within the Entity Bank Details bundle." darkWidth="1807" darkHeight="735" showCaption="true"}

### NetSuite Bill Requirements

In order to be eligible for payment, NetSuite bills must be in an OPEN state and marked as **Approved**. 

The following fields must be accurately populated:

- **State**: OPEN
- **Approval Status**: Approved
- For ACH payments, the billing address must be in the** US,** and the **Override** toggle may not be checked for the address on the bill.
- For ACH payments, only bills in **USD **are acceptable.
- The **Reference No. **must be no greater than 35 characters.
- The **Memo **must be no greater than 140 characters, if provided. 

::Image[]{src="https://api.archbee.com/api/optimize/MM6nC_bKbIkwCRqiFZqEu/OSbrTUQXF34QpCNCx9xZp_bill-netsuite-myers-coaching-services-ltd-2023-07-10-15-38-22.png" size="80" width="997" height="708" position="center" caption="A NetSuite Bill" alt="A screenshot from NetSuite noting that amount, currency, approval status (APPROVED) and the billing country is required." darkWidth="997" darkHeight="708" showCaption="true"}
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