Integrating Paya for ACH and Credit Card Transaction Processing

Integrating Paya for ACH and Credit Card Transaction Processing

Paya Overview

Paya is a leading payment processing provider that enables businesses to securely and efficiently manage ACH (Automated Clearing House) and credit card transactions. By integrating Paya with CustomBooks™, users can optimize their payment processing, ensuring seamless financial operations directly within CustomBooks™ . This integration simplifies the management of electronic payments, allowing businesses to process transactions quickly, reduce errors, and improve cash flow.

Learn more about Paya.

Setting up Paya in CustomBooks™

To start processing ACH and credit card transactions through Paya in CustomBooks™, you'll need to set up an account with Paya. Follow these steps to apply for a Paya account:
  1. Log in to CustomBooks™. Navigate to the Admin Panel > Integrations.
  2. On the Embedded Tab, select 'Payments' from the Functionality drop-down menu. Find Paya and click the gear icon next to it.
  3. Click the Create a Paya account button.
  4. Enter the required information in the Paya registration form and click Register/Submit.
  5. Wait for an email from Paya with your login credentials.


Once you receive your login details, you can proceed with integrating Paya into CustomBooks™ to start processing payments.
  1. Go back to the Paya Integration setup window in CustomBooks™.
  2. Click the Connect to Paya button.
  3. Fill out the fields with the information provided in the email from Paya. Enter your User ID, User API Key, User Hash Key, and Location ID.
  4. Paya will be connected. Complete the configuration options now available in the Paya integration settings.
    1. Enable/Disable Credit Cards.
    2. Enable/Disable ACH, as needed.
    3. Additional Settings: These settings are only viewable in CustomBooks™, but can be changed in Paya Dashboard.
      1. Show Customer: Show CVV, Show Street, Show ZIP.
      2. Require: Require Street, Require ZIP.
      3. Validate: Validate CVV, Validate Street, Validate ZIP.
    4. Select or create a Clearing Account. This is the account where funds will be held until they are transferred to your bank account. Ensure the Account Type is set to Bank/Cash and Cash. Equivalents.
    5. Select the appropriate Payment Method.


Once these steps are completed, Paya will be fully integrated with CustomBooks™, and you can begin processing payments.

Emailing Sales Orders and Invoices with a 'Make Payment' Button

With Paya connected to CustomBooks™, you can simplify the payment process by emailing Sales Orders and Invoices that include a 'Make Payment' button. This feature allows your customers to pay quickly and easily online. Follow these steps to set it up:
  1. Ensure that you have completed the steps to connect your Paya account to CustomBooks™. This is necessary for enabling online payments.
  2. When you email a Sales Order or Sales Invoice to a customer, the email will automatically include a 'Make Payment' button. Customers can click this button to make a payment for a Sales Invoice or a pre-payment for a Sales Order.
  3. Upon clicking the 'Make Payment' button, the customer will be directed to the payment screen. Here, they can enter the payment amount and click 'Make Payment' to proceed.
  4. In the Payment Options window, customers can choose their preferred payment method, enter their information, and provide either credit card or ACH details.
  5. Paya will securely process the credit card or ACH transaction and deposit the funds directly into your bank account.







Processing In-Person or Over-the-Phone Credit Card and ACH Payments Using Paya

You can handle credit card and ACH payments directly within CustomBooks™. After completing a one-time setup and registering the customer’s payment information, you can seamlessly process payments using the Cash Receipt feature.

Registering Customer's Card or ACH Debit Bank Account in CustomBooks™

  1. Log in to CustomBooks™.
  2. Open the Customer Card by navigating to List > Customers. Find the customer, then double-click their name to open their record.
  3. On the Payment Methods tab, click the Add drop-down, then select either Add Card or Add ACH Debit Bank Account.
  4. Enter the customer information and credit card details or ACH bank information.



    Note: Complete credit card or ACH details cannot be viewed within CustomBooks™; the information is securely stored with Paya.
Once registration is successful, the card can be used at any time to process payments.

Processing Customer Payments in CustomBooks™

Once you’ve stored a customer’s credit card details in their company record in CustomBooks™, you can easily charge or pay an invoice without re-entering the card information. Follow these steps to process a payment using the saved credit card:
  1. Create a Cash Receipt. You can either create a new Cash Receipt or generate one directly from the Sales Invoice.
  2. Initiate the Payment. Click the Generate drop-down button, select Charge with, and then choose Paya.
  3. Complete the Payment. Click Save or Save and Close to complete the process. The customer’s card will be charged, and a transaction number will be automatically recorded on the Cash Receipt.



With Paya fully integrated into CustomBooks™, you can now efficiently manage credit card and ACH payments, ensuring a smooth and secure transaction process for your business and customers. For more detailed information or troubleshooting tips, you can visit this link for Paya FAQs.

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