Member Splash offers ACH bank transfer payments through ECRYPT. Members pay directly from their bank account, and it costs your club much less than a credit card:
Credit card: 2.9% + $0.30 per transaction
ACH: 0.5% per transaction
Turn On ACH
Step 1: Apply
Contact Member Splash support to get started. We'll connect you with Jake Hudes at ECRYPT to complete a short application. You can also email him directly at [email protected].
You'll need:
Basic information about your organization
Contact details for one board officer, usually the President or Treasurer
A voided business check
A copy of the officer's driver's license
3 months of bank or processing statements
Why so much information? Federal banking rules, such as Know Your Customer (KYC) and Anti-Money Laundering (AML), require it for every organization that processes electronic payments. It's standard for payment processors and protects both you and your members.
Step 2: Review (5–7 business days)
ECRYPT reviews your application to make sure it's complete and meets federal requirements.
Step 3: Go live
Once you're approved, we'll turn on ACH for your account and email you to confirm. Members can choose ACH at checkout right away. No other setup is needed.
What Members See
At checkout, members choose how to pay:
Credit card: processed right away
ACH bank transfer: lower fees, takes 3–5 business days to process
For ACH, members enter their bank's routing number and their account number.
Pass the ACH Fee to Members (Optional)
You can add the ACH processing fee to a member's total. See Adding a Processing Fee for ACH Payments on Forms and Settings: Fees & Conditions.
Failed or Returned ACH Payments
Because ACH takes a few days, a payment can be returned after checkout, for example if the account doesn't have enough money. [Confirm what happens: how the club is notified, whether the transaction status changes in Member Splash, and whether a return fee is charged.]
Refunds
To refund an ACH payment, see How to Refund ACH Transactions in ECRYPT.
Common Questions
Does this apply to non-profit swim clubs?
Yes. You'll need your Board President, Treasurer, or another officer with financial responsibility to provide their information. This is required for all organizations, including non-profits.
Why do you need personal information?
Federal law requires payment processors to verify the identity of the people who manage organizations that take payments. Banks have the same requirement, and it protects against fraud. Your information is kept confidential and secure.
Can we still accept credit cards?
Yes. ACH is an extra option. Nothing changes with credit card processing.