If you utilize accelerated Stripe payouts, you may experience a discrepancy where ACH funds are sent to your payout 3-5 days before the ACH payment intent status is officially marked as "succeeded." This timing gap can cause mismatches in the PayPack payout reconciliation feature.
To resolve this, PayPack includes an optional configuration setting that allows you to generate a charge log and NetSuite payment transaction as soon as an ACH payment is marked as "processing," rather than waiting for it to succeed.
Configure Settlement or Initiation
You can toggle this setting directly within your PayPack configuration in NetSuite:
Navigate to PayPack → Setup → Configuration
Select the Mappings subtab
Locate the setting for ACH Payment Event
Update your preference from Settlement (When Successful) to Initiation (Immediate).
Save the configuration.
Once enabled, PayPack will generate the charge log and NetSuite payment transaction while the ACH is still in flight, ensuring your payout reconciliation aligns with your accelerated Stripe payout schedule.
NetSuite Workflow & Best Practices
In standard NetSuite workflows, it is common to create the Customer Payment record before an ACH transaction fully clears the bank. Because ACH processing takes 1 to 5 business days, this early creation allows you to track that the payment is in flight.
To keep your Accounts Receivable (AR) and bank reconciliation clean without artificially inflating your main bank balance, we highly recommend utilizing the Undeposited Funds account.
Handling ACH Failures
Because ACH payments can fail days after initiation (due to NSF, incorrect routing numbers, closed accounts, etc.), creating the payment record early means you must have a strict process for handling ACH Reversals.
If an ACH payment fails after the NetSuite record has already been created:
Do not delete the Customer Payment. Deleting the record destroys your audit trail and can cause permanent reconciliation errors.
Instead, issue a manual refund or manually create a Negative Deposit / Journal Entry to reopen the invoice, reflect the failed funds, and account for any associated bank fees.