Spreedly

Process ACH payments through Spreedly

Where to find it: Admin → Payments → Spreedly processor configuration

When you'd use this: When your store needs to accept bank account (ACH) payments in addition to credit cards through Spreedly's payment gateway.

What you need first:

• Spreedly account with ACH processing enabled
• Gateway credentials configured in your Spreedly environment
• ACH mandate text (required for compliance)

Set it up:

1. Navigate to Admin → Payments → Add Processor
2. Select Spreedly as your payment processor
3. Set the payment method type to "ach"
4. Enter your ACH mandate text in the provided field
5. Complete any additional gateway configuration required by your Spreedly setup

Using it day-to-day:

1. Customers select ACH as their payment method during checkout or when paying invoices
2. Enter their bank account number and routing number
3. Submit payment

ACH payments are processed immediately as a single purchase transaction. The funds are authorized and captured in one step, and the payment moves directly to a captured state.

Troubleshooting:

• ACH payment fails at authorization — ACH transactions require valid routing and account numbers. Verify the customer entered their bank details correctly. Test accounts: routing number 104000854, account number 8180003399.

Process ACH payments through Braintree via Spreedly

Where to find it: Admin → Payments → Braintree Spreedly processor configuration

When you'd use this: When your store needs to accept bank account (ACH) payments through Braintree, routed via Spreedly's payment gateway infrastructure.

What you need first:

• Spreedly account
• Braintree account with ACH processing enabled
• Braintree credentials: merchant ID, public key, and private key
• Braintree gateway configured in your Spreedly environment
• ACH mandate text customized for Braintree (required for compliance)

Set it up:

1. Navigate to Admin → Payments → Add Processor
2. Select Braintree Spreedly as your payment processor
3. Set the payment method type to "ach"
4. Enter your Braintree-specific ACH mandate text (example: "By clicking 'Pay Now', I authorize Braintree, a PayPal service, on behalf of {{company_name}} to verify my bank account information using bank information and consumer reports and I authorize {{company_name}} to initiate a one-time ACH/electronic debit to my account.")
5. Complete gateway configuration with your Braintree credentials

Using it day-to-day:

1. Customers select ACH as their payment method during checkout or when paying invoices
2. Enter their bank account number and routing number
3. Submit payment

The system creates a bank account payment method in Spreedly, then tokenizes it specifically for Braintree before processing. ACH payments are processed as a single purchase transaction with authorization and capture in one step.

Troubleshooting:

• ACH payment fails at authorization — Verify the customer entered valid routing and account numbers. Test accounts: routing number 104000854, account number 8180003399.
• Gateway configuration error — Ensure your Braintree gateway is properly configured in Spreedly with valid merchant credentials.

Include billing address with credit card payments

Where to find it: Admin → Payments → Spreedly processor configuration, Spreedly iFrame form settings

When you'd use this: When your Spreedly gateway requires billing address information for credit card transactions. Certain payment gateways need the billing address to complete authorization or for fraud prevention.

What you need first:

• Spreedly payment processor configured in Admin → Payments
• Access to your Spreedly iFrame form configuration
• Gateway that requires or accepts billing address data

Set it up:

The Spreedly credit card form must include billing address fields. By default, Spreedly's form only collects card number, expiration date, and CVV. To enable address collection:

1. Configure your Spreedly iFrame form to display billing address fields (address line 1, city, state, zip code, and country)
2. When customers create a payment method, the billing address is captured along with card details
3. The system automatically includes billing address in authorization requests when a payment method token is used

The billing address data is passed to Spreedly during authorization in this format:

• Address line 1
• City
• State
• Zip code
• Country

Using it day-to-day:

1. Customers enter their credit card information at checkout
2. Fill in billing address fields: street address, city, state, zip code, and country
3. Submit payment

The billing address is sent to Spreedly during authorization and included in the transaction data passed to your gateway.

Troubleshooting:

• Authorization fails with address-related error — Verify the billing address fields are enabled in your Spreedly form configuration and that customers are completing all required address fields.
• Billing address not appearing in gateway records — Confirm your gateway is configured in Spreedly to accept billing address parameters. Some gateways require specific settings to process address data.

Testing with Sage Payment Solutions sandbox:

To verify billing address functionality, you can use the Sage Payment Solutions test gateway:

1. Create a Spreedly gateway connection using Sage Payment Solutions with your sandbox credentials:
   • Merchant ID: <your Sage Payment Solutions sandbox Merchant ID>
   • Merchant Key: <your Sage Payment Solutions sandbox Merchant Key>
2. Copy the resulting Spreedly Gateway Token.
3. In Admin → Payments, add a new Spreedly payment method with these credentials:
   • Gateway Token: <the token from step 2>
   • Key: <your Spreedly environment key>
   • Secret: <your Spreedly access secret>
4. Run an order through checkout and select the new Spreedly gateway.
5. Enter Spreedly's published test card details (e.g. 4111111111111111, any 3-digit CVV, any future expiry).
6. Complete the billing address fields
7. Verify the transaction completes and the billing address appears in your Spreedly transaction records