SpeedChex (ACHQ)


SpeedChex (also known as ACHQ) is an eCheck processor that Secure Payments is integrated with.  LoanPro integrates with Secure Payments, which in turn is integrated with eCheck processors, credit/debit card processors, and EFT processors.

SpeedChex is one of the eCheck providers available through Secure Payments.  SpeedChex offers the very convenient automatic payment reversal functionality that is so important for LoanPro users who process a lot of eChecks. To sign up with SpeedChex click here.


If you don't already have an account with SpeedChex (ACHG), you only need to fill out this form:

If the form doesn't load, the application can also be found here.


In order to use SpeedChex through Secure Payments in LoanPro, you must first enter your credentials into LoanPro.  To do this, navigate to Settings > Company > Merchant > Secure Payments inside your company account.

  1. Click  in the top right corner of the Bank Account/ACH Processors section.
  1. Enter a name for the processor in the Processor Name field.  You will now be required to select SpeedChex from the Echeck Processor drop-down.
  2. You should now see the fields available for SpeedChex. To complete the integration, enter your SpeedChex Gateway ID, Merchant ID, SpeedChex Gateway Key, and Merchant Account Email (this will be an email address where messages from SpeedChex should be sent).  If you don’t have this information, contact SpeedChex and they will provide it to you.
  3. Click the blue Save button, and the process is complete. You can now process eCheck Payments through LoanPro.


There are also several settings options in this area to help you get the most from your SpeedChex account.  These options are:



Demo Mode

This lets you toggle your SpeedChex account between demo mode and live mode.  In demo mode, LoanPro will send data to SpeedChex and receive responses, but SpeedChex will not send payment data to the appropriate banks and no payments will be processed.  This is useful in testing that payment data is actually being sent to SpeedChex.

Bypass Processing

This setting will have LoanPro bypass communicating with Secure Payments and any associated processors and deem each transaction as if the processor provided a response of 'success'. Any transactions processed with this setting will not be presented in Secure Payments or the Processor. 

Auto Reversal

Selecting this option will automatically reverse payments in the LoanPro system if they are returned by SpeedChex.  Since it usually takes approximately 3 days for an eCheck payment to go through, if there aren’t sufficient funds to cover the payment or the payment is returned for any other reason, this setting will let you avoid looking up and manually reversing returned payments in your system.


This option will let you set this processor as your default.

After the proper setup of your SpeedChex (ACHQ) processor, you are ready to begin processing payments.

LoanPro passes the Loan ID and Secure Payments transaction ID to ACHQ so they will be available in the admin side of ACHQ when you search for the transactions.

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