ACH Token


What is ACH Token

ACH Tokenization is an exciting new service brought about by the Faster Payments Initiative of the US Federal Reserve providing payments that are instant, final (irrevocable - "good funds") and secure. Real-Time payments services necessitate Tokenized Payments, enabling account-based transactions to be processed faster and safer. Our systems are designed to support routing and processing of tokenized transactions, which will increase payment security and help to limit the proliferation of consumer account credentials. This will significantly reduce the financial impact that can result from a data breach because tokenized account information is of limited or no use to cyber criminals.

Tokenization of ACH and Real-time Account-to-Account transactions. Benefits using UPIC ®:

  • Provide more convenience to your customers. Including your UPIC number on invoices (see Sample Tokenized Invoice) and websites makes it easier for your customers to make payments electronically which will improve your cash flow.
  • UPIC numbers can only be used to process credits. No debits are allowed.
  • Protect your confidential information. UPIC numbers are designed to mask your account information. So you can collect electronic payments without revealing account numbers and other sensitive details.
  • Issued and maintained by banks and Licensed Payment Providers.
  • Portable, bank to bank. Only one bank deposit account allowed per UPIC number. But, one bank deposit account can have multiple UPIC numbers.

  • What is a UPIC as issued by the ACH processor - The Clearing House?
  • Courtesy of The Clearing House


About ACH Token

Today Payments is a leader in the evolution of faster payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH funding through Same-Day Direct Deposits (ACH Push) and Same-Day Direct Payments (ACH Pull). Our customers receive faster availability of funds on deposited items and instant notification of items presented for deposit – all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology. Our platform with its tools / widgets help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.



Our Payment Platform


Today Payments Gateway Merchant Services

...continues to meet the challenge of our clients by offering cost effective "good funds", Visa Direct, wires, credit card, ACH and e-check payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments. Today Payments Gateway Merchant Services gives your company choices in the method of faster payments that you can accept from your customers.
We provide services, solutions and support for all ACH formats, ACH API's, ACH XML, ISO 20022 Messaging, OFX (Open Financial eXchange), PSD (Payment Services Directive). Our payment processing platform is designed for simplicity and ease-of-use.

Process with the ACH Token Professionals

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  • Automate Accounts Receivable Collection with Same Day Settlement & Deposit
  • Automate Accounts Payable Payments with Same Day Settlement & Deposit
  • One-Time & Recurring Debits & Credits with Same Day Settlement & Deposit

Each day, thousands of businesses around the country are turning their transactions into profit with payment solutions like ours.


Contact Us for ACH Token payment processing