Encouraging ACH payments is a smart way to reduce credit card processing fees and improve cash flow. MediaOS gives you the ability to offer digital gift card incentives when clients choose to pay via ACH. With customizable incentive levels and automated fund management, this feature is easy to configure and administer within your MediaOS account.
Accessing ACH Incentive Settings #
To set up ACH incentives, start by clicking your profile avatar in the bottom-left corner of the screen. From the dropdown, select System Settings, then click General Settings to open the configuration panel.
Scroll to the Portal section within General Settings. Here, you’ll find the setting labeled ACH Incentive. This is where you can enable the incentive program and customize how it behaves for your clients.
Configuring the ACH Incentive Window #
Within the ACH Incentive settings, use the dropdown menu to select how aggressive you want the incentive offer to be. There are four levels to choose from:
- Minimum: Offers a small incentive for high-value transactions only. This is best for average contract sizes of $10,000 or more. Contracts under $1,000 will not trigger an incentive offer.
- Medium: Offers a moderate incentive that encourages more clients to opt in. Recommended for contract values around $4,500. Contracts under $500 are excluded.
- High: Designed to match typical credit card fee savings while promoting strong cash flow. Ideal for contracts around $2,000 or more. Contracts under $350 will not be incentivized.
- Extreme: The most aggressive setting, offering the highest rate of opt-in at a slightly higher cost than standard credit card fees. Best if your focus is cash flow and timely payments.
Once an incentive level is selected, you’ll need to fund your ACH incentive balance in advance to ensure gift cards can be issued.
Note: A 30% service fee is added to your monthly invoice for the gift cards distributed through this program.
Adding Funds to Your ACH Incentive Balance #
To fund the incentive wallet, click the Add Funds button located under the ACH Incentive Balance setting. This will open the Add Gift Card Funds window.
Use the dropdown menu to select your Funding Account (credit card on file), and enter the Amount to Add. You can also toggle Automatically add $1,000 when balance falls below $250 to ensure the incentive fund never runs dry.
Once your selections are complete, click Add Funds to finalize the deposit.
Tip: ACH incentive funds must be pre-paid in $1,000 minimum deposits via ACH.
Reviewing Transactions in the Gift Card Ledger #
To view all gift card transactions and deposits, click the Ledger button within the ACH Incentive Balance panel. This will open the Gift Card Ledger, where you can review client gift card redemptions, deposit activity, and the current available balance. The ledger also displays a full transaction history, which can be filtered by selecting a specific date range and clicking Update to refresh the view. If you need to increase your balance, you can click + Add Funds directly from this window. Once the incentive is enabled, MediaOS will automatically prompt customers at checkout with an offer to receive a gift card when they choose to pay by ACH.
