ACH Payments via Western Union



ACH debit origination is offered to all Mineraltree customers through our partnership with Western Union, and MineralTree will work with Western Union to create and register accounts on a behalf of a customer desiring ACH payments.  Any US bank account can be used as a payment account for these ACH payments and no additional fees are ever involved.


Western Union Business Services - Account Setup

Customers must complete the GlobalPay Application Pack MT WUBS Agreement. Many sections in the application are pre-filled with data from the MineralTree on boarding process. In addition, the customer authorizes settlement against each account that will be used for ACH payments.  Please contact MineralTree support to enable this feature.

When applications are approved, Western Union provides a Client ID to MineralTree to be used during payment processing.  Once MineralTree receives the completed application, setup with Western Union typically takes 2-3 weeks.

Settlement Limits and Processing Time

As part of the setup process, Western Union will establish a settlement limit for every new customer. Batches of payments under this limit will be processed without delay (see below).  Companies can qualify for up to $350k based on the application materials and/or a bank reference check. To raise the limit further, a financial review may be necessary. In the rare case that a limit cannot be established for a company (bad credit, poor cash position), ACH payments can still be issued via Western Union; however, an additional 5 day delay will be instituted in accordance with a goodfunds model (see below).

Payment Requirements & Other Information

Debit Blocks

Customers who have ACH Debit Blocks or Debit Filters set up on their accounts to prevent unauthorized debits must whitelist the following ACH ID with their bank in order to enable ACH Debit payments through the MineralTree product.

ACH ID: 1133440076 

Cutoff Time

At 6:30 PM ET each day, approved payments are submitted for processing. Payments approved after 6:30 are submitted the following day.

Processing Time

The payment settlement time is dependent on the payment size and settlement limit (defined above). All payment batches within a company's settlement limit will be processed without delay under the standard model. Payments over a company's limit (or if a limit was not established for a company) will be subject to a goodfunds delay.

- Standard Model:1-2 Days

- Goodfunds Model: 5-7 Days 

Payer’s Bank Statement

Payments appear on the MineralTree customer’s (payer’s) bank statement 1-2 days after they are submitted.

Each ACH payment appears as a separate debit on the customer’s bank statement with “WUBS USA DEBITS” as the transaction descriptor.

Payee’s Bank Statement

Vendors (payees) receive funds in their account 2-5 business days (see above) after payments are submitted. The transaction descriptor is the MineralTree customer’s (payer’s) name.

The payment appears on the vendor’s bank statement with “ACH CREDIT <Customer Name> ON <payment date>” as the transaction descriptor.

Payee Requirements

In addition to a valid US routing number and bank account number, a valid US address is required for all vendors (payees) being paid via ACH origination.

Payment Receipts

Customers receive email confirmation for each batch of ACH payments they submit. This email is sent from and contains information about the payments included in the batch. This email serves as a confirmation

Funding Flow

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