ACH Payments

Hello Payments People,

We have been with TN for a year now and are finally getting a handle on things.  We would like to bring our contributions process into the 21st century and make it easier for our patrons to donate online.  However if all our donors paid online it would cost us a fortune in credit card processing fees.  Are any of you using ACH or e-check or anything like that?  And if so, how does that integrate with TN and TNEW and your shopping cart?  

Thank you for any guidance you can provide!