---
schema_version: "1"
id: 795864bd4ec42bb54b7cefdc6593479f794800218ec292bfc5be21119250ed80
title: Set Up Merchant-Initiated ACH and Credit Card Transactions
collection: admin
version: current
locale: en-us
portal_url: https://docs.salesforce.com/admin/current/en-us/commerce/264-0-0/payments_merchant_initiated_transactions.md
canonical_url: https://help.salesforce.com/s/articleView?id=commerce.payments_merchant_initiated_transactions.htm&release=264.0.0&type=5
source_site: help.salesforce.com
content_type: documentation
content_hash: 700ec87acd5dff6cd88d2f65aef6b443cc2522189bbb8370522b71c3cb8b49dc
description: Configure the Merchant-Submitted Payment component in native payments to securely process ACH and credit card transactions in B2B and D2C Commerce stores on behalf of your customer. Collect and save the payment details from your customer over the phone, via email, or in writing for future transactions.
products:
  - Salesforce Payments
  - Commerce
release: "264"
---
# Set Up Merchant-Initiated ACH and Credit Card Transactions

Configure the Merchant-Submitted Payment component in native payments to securely process ACH and credit card transactions in B2B and D2C Commerce stores on behalf of your customer. Collect and save the payment details from your customer over the phone, via email, or in writing for future transactions.

Enable MOTO for merchant-initiated payments on your gateway merchant account.

1. In the App Launcher, find and select **Account**.
2. Select an account (business or person) to add the component.
3. Click ![Setup](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-payments-264-0-0-production-enus/c04ba30f-6dde-4ea7-949b-4f77b22b9fcb/payments/images/comm_setup_icon_no_border.png) at the top of the page, and then select **Edit Page**.
4. In the Lightning App Builder, click **Add Tab**.
5. From the components list, drag the **Saved Payment Methods** component to the tab.
6. In the Lightning App Builder, click **Add Tab**.
7. From the components list, drag the **Merchant-Submitted Payment** component to the tab.
8. (Optional) To view all saved payment methods at a glance, add a related list to Saved Payment Methods. Additionally, you can add consent mandate text for ACH transactions through Stripe in both components.
9. Save your changes. To add these components for all your store accounts, click **Activation**.
10. Add and save payment methods.
    1. Go to the customer’s account page and add credit card or ACH details in the Saved Payment Method.
        
        ![Saved payment methods](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-payments-264-0-0-production-enus/c04ba30f-6dde-4ea7-949b-4f77b22b9fcb/payments/images/payments_saved_payment_methods.png)
11. Save a payment for future use and make a payment.
    1. Click **Merchant-Submitted Payments**.
    2. Select the merchant account to which you want to save the payment method or make a payment transaction.
    3. Add the payment details. You can save the payment method for future use.
    4. Enter the amount you want to charge and complete the payment. You can check the status of your payments in the Payment Workspace.
        
        ![Merchant initiated payments](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-payments-264-0-0-production-enus/c04ba30f-6dde-4ea7-949b-4f77b22b9fcb/payments/images/payments_merchant_submitted_payments.png)

#### See Also

- [Create and Configure Lightning Experience Record Pages](https://help.salesforce.com/s/articleView?id=platform.lightning_app_builder_customize_lex_pages.htm&language=en_US)