R17 ACH Return Code: Reasons and How to Fix It

by Cheqly team | | R17 ACH Return Code

The Automated Clearing House (ACH) network is still the main source of millions of electronic payments in the US, as the number of transactions increased to 8.8 billion, with a total value of $23.2 trillion in the third quarter of 2025. Both businesses and consumers have been turning more and more to ACH for payroll, … Continued

Understanding ACH Disputes: A Merchant’s Handbook

by Cheqly team | | ACH Disputes

Operating a small business or merchant business has its own challenges, and keeping a healthy cash flow is probably the biggest one. You plan your expenses, invoice your clients, and rely on on-time ACH payments and other electronic funds transfers (EFTs) to keep money moving. But what if the money you have been expecting never … Continued

Batch Payment Processing: What You Should Know

by Cheqly team | | Batch Payment Processing

Batch payment processing is essentially the method through which large numbers of businesses carry out their payments in a timely and effective manner. The payments can be employees’ salaries, suppliers’ invoices, or even international payments. Such digital transactions, which are forecasted to total approximately $38 trillion globally by 2030, are the lifeblood of business finances … Continued

Card-Not-Present (CNP): Understanding and Preventing CNP Fraud

by Cheqly team | | Card Not Present

Ever made an online payment without swiping or tapping your card? That’s known as a card-not-present (CNP) transaction — it happens when you pay through a website, app, or even over the phone, without physically using your card. It’s super convenient for shoppers, merchants, and even financial institutions, but it also creates opportunities for different … Continued

How Payment Settlements Work and How Long They Take        

by Cheqly team | | Payment Settlement

In 2025, payment settlement remains one of the pillars of international online trade. Globally, the use of digital payment is expected to rise enormously, with figures projected to reach $140.6 billion and grow at a compound annual growth rate of 22.2% to reach $853.0 billion by 2034, demonstrating the extent and sheer necessity of settlement … Continued

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