Sage 100

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  • 1.  ACH Rules Changes - Do They Affect Sage 100?

    Posted 08-20-2025 13:56

    The Sage 100 end user received the email below from Wintrust Bank today.  Can anyone here decode this and let me know if it has any effect on Sage 100?

    Upcoming ACH Rule Changes

    These Rule amendments related to monitoring for fraud and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.

    Effective March 20, 2026

    Company Entry Description - PAYROLL Establishes a new format standard for the company entry description of "PAYROLL" for PPD Credits related to wages, salaries, and other similar types of compensation.

    Company Entry Description - PURCHASE Establishes a new format standard for the company entry description of "PURCHASE" for e-commerce (WEB or PPD) goods purchase.

    Effective June 19, 2026

    Fraud Monitoring by Originators, ODFIs, TPSs, and TPSPs Requires non-consumer Originators, Originating Depository Financial Institutions (ODFIs), Third-Party Senders (TPS), and Third-Party Service Providers (TPSP) to establish and implement risk-based processes and procedures reasonably designed to identify ACH Entries initiated due to fraud.

    This may include but is not limited to: Micro-Entries/Prenotes/Account Validation.



    ------------------------------
    Doug Higgs
    Midwest Commerce Solutions, Inc
    (312) 315-0960
    Chauffeur, Chef, and Personal Assistant to Sprinkles
    ------------------------------


  • 2.  RE: ACH Rules Changes - Do They Affect Sage 100?

    Posted 08-20-2025 15:50

    Sounds like a great question for the Community.  Looks like the 3/20/26 may impact Sage 100 users.  The 6/19/26 change looks to be for financial institutions.



    ------------------------------
    Jeff Schwenk
    Owner
    Bottomline Software, Inc.
    Waynesboro VA
    (540) 221-4444

    Improving bottom lines for over 25 years!
    ------------------------------



  • 3.  RE: ACH Rules Changes - Do They Affect Sage 100?

    Posted 08-20-2025 16:05

    @Jeff Schwenk  Yes.  I know there are a lot of companies that use PPD for the Standard Entry Class.  If so, I am unclear what the new format for the Company Entry Description should be.  Seems a little vague.  



    ------------------------------
    Doug Higgs
    Midwest Commerce Solutions, Inc
    (312) 315-0960
    Chauffeur, Chef, and Personal Assistant to Sprinkles
    ------------------------------

    Original Message


  • 4.  RE: ACH Rules Changes - Do They Affect Sage 100?

    Posted 08-20-2025 16:51

    With age, there is clarity.  I sleep at night knowing this is on Sage's radar!



    ------------------------------
    Jeff Schwenk
    Owner
    Bottomline Software, Inc.
    Waynesboro VA
    (540) 221-4444

    Improving bottom lines for over 25 years!
    ------------------------------

    Original Message


  • 5.  RE: ACH Rules Changes - Do They Affect Sage 100?

    Posted 08-21-2025 14:28

    I wonder if the fraud monitoring portion of these rules is going to lead to a requirement to use a paid 3rd party ACH provider as opposed to creating a text file and uploading that to the bank.



    ------------------------------
    Wayne Schulz
    wayne@s-consult.com
    Schulz Consulting
    (860) 516-8990
    CT
    ------------------------------



  • 6.  RE: ACH Rules Changes - Do They Affect Sage 100?

    Posted 08-21-2025 19:18

    My guess would be added scrutiny after the text file uploads, with extra web-portal-approval steps needed for first time payments to a new account (vs repeated payments to known good accounts). At least that is what would make sense to me.

    I think I've seen EFT approvals being offered as a premium service by Canadian banks... ($ thresholds), but I my memory is a little fuzzy on the details.  (It may have been a customer wish list, instead of a real service).



    ------------------------------
    Kevin Moyes
    Technical Systems Analyst
    Munjal White Consulting Co.
    Toronto ON
    ------------------------------

    Original Message


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