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Debit Gateway


What is the Debit Gateway?

The Debit Gateway centralizes processing and settlement of electronic check and Automated Clearing House (ACH) debit transactions received from Revenue Collections Management (RCM) channels – Electronic Check Processing (ECP), Over the Counter Network (OTCnet), and Pay.gov– and directly from four agencies (Agency Direct).

The Debit Gateway has built-in decision logic to review check transactions received from ECP, OTCnet, and Agency Direct and convert qualified transactions to more efficient and less costly ACH debit entries, or present the checks as Image Cash Letters (ICL) to the Check21 system. Check21 is the primary check clearing system for Federal Reserve Banks.

Debit Gateway also processes returned checks and ACH debits, and provides voucher and settlement data to the source RCM collection channel for reporting to customer agencies.

Benefits and functions of the Debit Gateway are:

  • Originates and settles ACH debit entries received from Pay.gov
  • Presents and settles check images received from ECP and OTCnet
  • Converts qualified transactions received from ECP and OTCnet to more efficient, less costly ACH debit entries
  • Provides necessary reporting to RCM collection channels
  • Reports transactions and settlements
  • Provides customer agency/RCM collection channel support
  • Detects duplicate transactions

Contact Us at:
Settlement.services@fiscal.treasury.gov

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