EvolutionX

How to reconcile their ACH and credit cards when using Nuvei, EvoX (Evolutionx), and Spruce, you can follow these key points based on the meeting discussions:

👍 Important: ACH can take 3-5 days to be sent to your bank.

👍 Important: NSF (Non-Sufficient Funds) can occur. When you see these in your Check Commerce report, you must remove the Paid status in spruce for the relevant invoices payments and contact the customer as payment was not successful.

1. When an ACH payment is made, it is sent to Spruce and the relevant Invoices are marked as Paid. 
 1. The paid status does not mean the money has reached your account. It only means a successful transaction has occured. 
 2. You must still confirm that you have received the funds by reconciling your ACH. 
2. ACH payments can be initially successful and then report NSF (Non-Sufficient Funds). When this occurs you must manually remove the paid status from the relevant Spruce Invoices and contact the customer as payment was not successful.
3. ACH can take 3-5 days to be funded and see in your account.
4. Returns: If a consumer rejects an ACH transaction, they have up to six months to dispute it. When this occurs, the funds will be withdrawn from the merchant’s account.

- Nuvei: Users can view their transaction history and batch ID summaries. The transaction history shows real-time transactions, including declines and pending transactions. The batch ID summary shows settled transactions for credit cards. 
- EvoX: Users can generate reports that break down transactions by card type (Visa, MasterCard, etc.) and ACH. These reports can be filtered by date to match the transactions seen in Nuvei. 
- Spruce: Spruce combines ACH and credit card transactions into one total. Users can use the Daily Cashiers report to see a breakdown of transactions. 
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- Credit Cards: Users should check the batch ID summary in Nuvei for settled credit card transactions and match these with the EvoX report for the same date range. 
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- ACH Transactions: ACH transactions are processed through Check Commerce and will not appear in the Nuvei batch ID summary. Users need to log into the Check Commerce merchant portal to view ACH settlements. 
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- Combining Reports: Users should use the EvoX report to see both credit card and ACH transactions and then match these totals with the grand total in Spruce. 
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Handling NSF (Non-Sufficient Funds):

- ACH transactions may come back as NSF, which means the funds were initially credited but later debited due to insufficient funds. Users should be aware of this possibility and check for NSF notifications in Check Commerce. 
   

1. Understanding ACH
 1. When an ACH payment is made, it is sent to Spruce and the relevant Invoices are marked as Paid. 
 1. The paid status does not mean the money has reached your account. It only means a successful transaction has occured. 
 2. You must still confirm that you have received the funds by reconciling your ACH. 
 2. ACH payments can be initially successful and then report NSF (Non-Sufficient Funds). When this occurs you must manually remove the paid status from the relevant Spruce Invoices and contact the customer as payment was not successful.
 3. ACH can take 3-5 days to be funded and see in your account.
 4. Returns: If a consumer rejects an ACH transaction, they have up to six months to dispute it. When this occurs, the funds will be withdrawn from the merchant’s account.
2. Understanding the Reports:
 - Nuvei: Users can view their transaction history and batch ID summaries. The transaction history shows real-time transactions, including declines and pending transactions. The batch ID summary shows settled transactions for credit cards. 
 - EvoX: Users can generate reports that break down transactions by card type (Visa, MasterCard, etc.) and ACH. These reports can be filtered by date to match the transactions seen in Nuvei. 
 - Spruce: Spruce combines ACH and credit card transactions into one total. Users can use the Daily Cashiers report to see a breakdown of transactions. 
 - 
 
3. Reconciling Transactions:
 - Credit Cards: Users should check the batch ID summary in Nuvei for settled credit card transactions and match these with the EvoX report for the same date range. 
 - 
 
 - ACH Transactions: ACH transactions are processed through Check Commerce and will not appear in the Nuvei batch ID summary. Users need to log into the Check Commerce merchant portal to view ACH settlements. 
 - 
 
 - Combining Reports: Users should use the EvoX report to see both credit card and ACH transactions and then match these totals with the grand total in Spruce. 
 - 
 
 - 
 
4. Handling NSF (Non-Sufficient Funds):
 - ACH transactions may come back as NSF, which means the funds were initially credited but later debited due to insufficient funds. Users should be aware of this possibility and check for NSF notifications in Check Commerce.