⚠️ Before You Refund an ACH Transaction
ACH transactions in ECRYPT will appear as settled once they have been submitted for clearing — this does not mean the funds have been fully processed. Unlike credit card payments, ACH follows a different processing path, and there is a delay between when a transaction is submitted and when funds are actually withdrawn from the member's account.
Before initiating a refund, confirm that the transaction has fully funded. ACH transactions typically take 4–5 business days to clear, but can take up to 7–10 business days in some cases.
To verify a transaction's status, cross-check it against your ECRYPT remittance summary report, which your organization receives via email. This report will reflect settled ACH transactions as well as any that have been rejected. Do not rely solely on what you see in the ECRYPT dashboard — in some cases, a transaction may appear in the dashboard even though the member's bank has already declined the charge. Initiating a refund on a transaction that was never funded could result in duplicate or erroneous entries that are difficult to reconcile.
If you are unsure whether a transaction has cleared, wait for your remittance report before taking action, or contact ECRYPT support at ecrypt.com/contact-support.
Please note that ECRYPT is actively working on updates to improve ACH transaction visibility and reporting. We will update this article as those changes become available.
1. Log in to your Ecrypt Preferred Payments Dashboard
Navigate to the Ecrypt Preferred Payments login page.
Enter your username and password.
Click on the Login button.
2. Access the 'Check' Section
In the main navigation menu, locate and click on the Check section to access the relevant transactions.
3. Adjust Date and Time Range
Once in the Check section, find the date and time range filter.
Adjust the date and time range to include the period of the transactions you wish to view.
Apply the filter to update the list of transactions.
4. Locate the Transaction(s)
Scroll through the list of transactions or use the search function to locate the specific transaction(s) you want to refund.
Click on the transaction or transactions you wish to refund, which will bring up a new menu. In General, select the Refund button on the top right.
Confirm the amounts by typing the refund amount in the box and select Submit.
ECRYPT Support
If you need additional assistance within the ECRYPT platform, the ECRPT Support Team can be reached at https://info.ecrypt.com/contact-support/