Good Funds Gateway

Good Funds & Wire Solutions

Online integrated Origination, Sending, Receiving and Recordation of all Good Funds Transfers.

"All participants receive real-time electronic notifications. Use our online Payment Gateway interface or integrate your in-house system with our API"

Credit Card Processing

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ACH Processing

One-Time & Recurring
eMail Invoicing
All Processing Types
Same-Day Funding

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Check Processing

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What are Good Funds?

Real-time interbank & intra-bank payments

Good Funds, is defined simply as: Collected funds in a bank account and usable instantly by the owner of the account. Our "Good Funds" payment gateway allows for instant real-time digital payments that are instant, irrevocable, intra-bank and/or interbank account-to-account (A2A) transfers that utilize a real-time messaging system connected to every transaction participant through all U.S.-based financial institutions. Funds are available for use by the receiver and real-time confirmation is provided to both you ("the sender") and receiver in seconds. Most Good Funds transactions are "Credit Push" versus "Debit Pull."

The evolution of “fast payment” is defined as a payment in which the transmission of the payment message and the availability of “final” funds to the payee occur in real time or near-real time on as near to a 24-hour and seven-day (24/7) basis as possible. Other common terms for these services are “instant,” “instant,” “realtime” or “faster” payments. This definition adopts the perspective that a fast payment ensures a credit of final funds to the payee. For the purposes of this report, final funds are funds received such that the payee has unconditional and irrevocable access to them. Bank of International Settlements: Real-Time Payments

What we do

Good Funds Gateway, we believe, is the only payment processing gateway providing "Good Funds" transactions, Wires, Visa Direct, ACH, Electronic Check, Credit Card, Debit Card and Paper Check conversion/payment solutions all with one convenient login with the additional benefit of accounting software integrations! Good Funds Gateway Merchant Services is one of the fastest-growing privately held electronic funds transfer processors in the United States. GFGMS customers benefit from a comprehensive suite of payments products and services. Our customers receive faster availability of funds on deposited items and instant notification of items presented for deposit – all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology, GFGMS provides tools to help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.

Value through Innovation

Your Choice ~ Integrate your software system with us (e.g. Real Estate / eCommerce / Accounting / Billing / CRM / Invoicing or, send us your API and we'll integrate with YOU! Since inception, GFGMS has focused on providing maximum value to our customers by expanding the technological capabilities of core payment infrastructures. Through these developments, we have been able to help our clients reduce their operating costs, increase cash flow and maximize their resources. As the payment industry evolves, GFGMS is committed to providing leadership and solutions that leverage emerging technologies. Through these innovations, we fulfill our company’s primary objective: to provide our clients with the services and tools they need to succeed.

Good Funds Gateway Advantages

100% Secure Payment Processing
Form 1099 Generation
Online "Credit-Push" Payment Solutions for "Pay-0uts" (Accounts Payable)
Eliminate Paper Checks
Eliminate customer service calls
Payment Processing Method Selection
Eliminate waiting for checks to "clear"
Payment Reconciliation
Reduce Accounting Time and Expenses

Good Funds Gateway Merchant Services

hand shake...continues to meet the challenge of our clients by offering cost effective "good funds", Visa Direct, wires, credit card, ACH and e-check payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments.

Good Funds Payment Processing

    Good Funds Core Features

    Core Features

    Our System works with all banks!

    Online integrated Origination, Sending, Receiving and Recordation of all Good Funds Transfers. All participants receive electronic notifications.

    Use our online Payment Gateway interface or integrate your in-house system with our API

    Good Funds Financial Institutions

    Financial Institutions

    Keep your current Banking Relationships!

    Good Funds Gateway's inter-bank digital payment transfer system works with all Banks and Credit Unions that are participants in the US Federal Reserve System.

    Secure Data with Good Funds Network

    What about Data?

    Secure Data with Good Funds Network

    Your data is serious business. Our white glove approach ensures your data is highly protected and available online real-time.

    Includes QuickBooks® and other accounting and escrow/title integrations.

    ACH Processing

    ACH & EFT Processing

    Payment Solutions with ACH Processing

    Whether your company is a Web address, street address or office, you're banking on sales of products and services to keep your business thriving. And that means you need bona fide payments, whether by automated clearing house (ACH), electronic funds transfer (EFT), e-Check or other means.

    • Automate
      Accounts Payable
    • Automate
      Accounts Receivable
    • Apply
      Payments through
    • ACH Billing
      Accounts Payable
    Electronic Funds Transfer

    Electronic Funds Transfer

    Electronic Funds Transfer can be used by all merchants no matter what their size.

    EFT, Electronic Funds Transfer can be used by all merchants no matter what their size. EFT is a system of transferring money from one bank account directly to another without any paper money changing hands. One of the most widely-used EFT programs is Direct Deposit, in which payroll is deposited straight into an employee's bank account.

    Transactions are processed by our bank through the Automated Clearing House (ACH) network, the secure transfer system that connects all U.S. financial institutions.


    Payment Solutions

    Perform many types of transactions with ease.

    We specialize in Good Funds & ACH processing for online retailers, but we offer a wide array of services as well.

    Perform the following types of transactions with ease:

    • Check Conversion Remote Deposit
      Capture - Check 21
    • Check-by-Phone
    • Recurring
      Debits & Credits
    • One-Time
      Debits & Credits
    • Batch File
    • High Risk
      ACH Processing
    • NACHA
      File Format Software
    • Online Checks
      from your Website



    eChecks clear much faster than written checks.

    eChecks, also known as Electronic Checks or Web Checks allow you the capability to accepting check payments on your website over the telephone, both one-time & recurring.

    An e-Check is an electronic transfer of funds in which the money is taken from your customer's bank account, typically a checking account. The account's routing number and account number are used to draw funds from the account. e-Checks clear much faster than written checks.

    Payment Gateway

    Payment Gateway

    Online and Real-Time

    Our Online Payment Processing Gateway / Virtual Terminal allows you the capability of performing, Recurring and One-Time Payments, Checks-by-Phone, etc. Complete online real-time reporting.

Our Advantages

Lowest Rates
  Low Rates and Fast Funding
We offer the absolute Lowest Rates Rate Quote and faster funding than other providers
Our Promises to YOU
  Call us for more promises!
  • Bank-level encryption and security
  • Unlimited technical support
  • Unlimited transactions
  • Money-back guarantee
  • Automatic back-ups
  • Synchronization between all devices
  • Free and automatic software updates
  • No contract; cancel anytime
  Works with QuickBooks® Versions above 2007
Use your QuickBooks® Hosted Online and desktop versions: Pro, Premier, and Enterprise Editions as early as 2007. Not compatible with the online edition
Ease of Use
  Payment Option Variety
Make it easier for customers to do business with you by accepting a variety of payment options
Accept All Payment types
  Accept Credit Cards, ACH (eCheck) & Paper Check Transactions
Most providers only support credit card transactions. Expand your ability to collect payments
  A Single System
Simplify your financial operations with a single system and single set of records for all payment processing, whether web order, phone order, cash sale or invoice payment
Cash Flow
  Shorten time to Payment
Improve cash flow and shorten time to payment with cost-effective credit card, business card and purchasing card acceptance
PCI Compliant
  Customer Vault
Use our powerful Customer Vault, with payment Tokenization, to store billing information in a PCI Compliant system and issue subsequent transactions against that billing information

Good Funds News

January 2017
- Zelle Business Payments Good Funds
February 2017
- The Clearing House "RTP" Real Time Payments
March 2017
- Business Real Time Payments
April 2017
- Businesses Will Switch Banks For Real-Time Payments
May 2017
- SWIFT: Cross-Border Payments
June 2017
- SWIFT: Instant Payments
- PSD - Payment Service Directive
September 2017
- Federal Reserve System - Strategies Improving US Payment System Part 2
October 2017
- ACH API (Application Program Interface)
January 2016
- Blue Chip Banks Opt for R3 Over SWIFT
February 2016
- Real Time Payment System in United States
March 2016
- Secure Exchange Launches Real-Time P2P Payments with Bank of America, U.S. Bank
May 2016
- Bluzelle Launches Real-Time P2P Payments
June 2016
- SWIFT SameDay Cross-Border ACH
July 2016
- "Remittance Coalition" accepts Good Funds Gateway
August 2016
- MasterCard & VISA join SecureExchange
- FiServ joins SecureExchange
- Visa Direct Real-time Network
- Zelle P2P Funds Transfer Network
- US Department of the Treasury Good Funds Wires
- clearXchange Becomes Zelle
October 2016
- Zelle Business Payments
- Zelle Pay
November 2016
- Zelling
- Real-Time ACH Payments
February 2014
- Federal Reserve System - Availability of Funds and Collection of Checks: Proposed Rule
January 2015
- Federal Reserve System - Strategies Improving US Payment System Part 1
March 2015
- The Road to Faster Payments: A Banker's Guide
May 2015
- NACHA Membership Approves Same-Day ACH
- MasterCard launches "MasterCard Send"
- Federal Reserve Board requests public comment on enhancements to same-day ACH service
- Real-time Good Funds Network
June 2015
clearXchange Debuts Real-Time Payments
July 2015
- Consumer Financial Protection Bureau (CFPB) advocates for and supports Same Day ACH
- Faster Payments Strategy Leader
September 2015
- Fed Approves Enhancements to Same-Day ACH Service
- Federal Reserve Support of the NACHA Rule Ensures Same Day ACH Ubiquity
October 2015
- U.S. Banks Unite to Form Industry Leading Secure Real-Time Payments Network
November 2015
- Real-Time Deposit of Business Payment Transactions

2019 upcoming webinars

Stop Going to the Post Office to Mail Checks!

Funds Automatically Deposited in your Existing Bank Account.
Perform the following types of transactions with ease:

  • ~ using the Good Funds Gateway Payment Widget© send the receiver an Email message with your inter-bank link "...consumers and businesses indicated that they would rather share an e-mail address or a phone number to make/receive payments instead of sharing their bank account numbers." Page 29, Strategies Improving US Payment System
  • ~ send the receiver an ACH Credit (See for Same-Day Clearing of ACH Credits.

We offer a wide variety of payment processing solutions to fit any size business. By telling us (give us a call toll-free or send us an email) the type of payment service you’re looking for, you’ll help us guide you to the solution that best matches your business needs today as well as your future needs.

Good Funds Gateway Merchant Services

Feel free to contact us

Process with the Professionals

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Each day, thousands of businesses around the country are turning their transactions into profit with payment solutions like ours.

Good Funds Gateway Merchant Services® gives your company choices in the method of payment that you can accept from your customers.
We support ACH formats, including ARC (Accounts Receivable Check Conversion), BOC (Back Office Conversion), PPD, CCD, TEL, RCK, POP, WEB, Multiple Batch and Import options. See ACH format definitions. Our software is designed for simplicity and ease-of-use.

Compare our service and prices to our competitors and
Give Us A Call

(866) 927-7180

Enrolling in the GoodFundsGateway system takes only a few minutes. You can eliminate "paper" checks from your system and start sending electronic payments in just a few simple steps.

Stop Going to Your Bank to Deposit Checks!