Frequently Asked Questions

EFT/ACH Payment

ACH payments, or Automated Clearing House payments, are a widely used electronic payment method for transferring funds between bank accounts. ACH payments are commonly used for various financial transactions, including direct deposits, bill payments, business-to-business payments, and more. Here's how ACH payments work:

  • Initiation: An ACH payment begins when one party, known as the originator, initiates a transaction. This can be an individual, a business, or a financial institution. The originator provides their bank with specific details about the payment, including the recipient's bank account information, the payment amount, and the payment date.
  • Originator's Bank: The originator's bank, also known as the originating depository financial institution (ODFI), processes the payment request. They create an ACH entry, which includes all the transaction details, and submit it to the ACH network.
  • ACH Network: The ACH network is a secure electronic network. It acts as an intermediary that facilitates the transfer of funds between banks. The ACH network sorts and routes ACH entries to the recipient's bank.
  • Recipient's Bank: The recipient's bank, known as the receiving depository financial institution (RDFI), receives the ACH entry from the ACH network. It verifies the recipient's account information and processes the payment.
  • Recipient's Account: The funds are deposited into the recipient's bank account. If it's a bill payment, the recipient's account is credited with the payment amount. In the case of direct deposits, the recipient's account is credited with the received funds.
  • Notification: Both the originator and the recipient may receive notifications or confirmations of the ACH transaction, depending on their respective banks' policies.
  • Settlement: ACH payments are typically settled in batches, which means that multiple transactions are processed together at specific intervals, such as daily or hourly. This batch processing helps optimize the efficiency of the ACH network.
  • Completion: Once the ACH payment is successfully processed, the funds are transferred from the originator's bank to the recipient's bank. The entire process is electronic and can take anywhere from one to several business days, depending on the banks and the ACH network's processing schedule.

ACH payments are known for their reliability, cost-effectiveness, and efficiency in handling various financial transactions. They are commonly used for activities like payroll processing, online bill payments, and recurring payments because of their convenience and ability to automate financial transactions.

To set up an ACH payment, you will typically need to provide the following information:

1. Bank Account Information:

   - Your bank's name and location (city and state).

   - Your bank's routing number: This nine-digit number identifies your bank and its branch.

   - Your bank account number: This is your unique account identifier.

   - The type of account (e.g., checking or savings).

2. Recipient's Bank Account Information:

   - If you are making a payment to someone else or a business, you will need their bank account details, including their bank's name, routing number, and account number.

3. Payment Amount: You should specify the amount you want to transfer as part of the ACH payment.

4. Payment Authorization: In some cases, you may need to provide written authorization for the ACH payment, especially for recurring payments. This can include signing an authorization form or agreeing to terms and conditions online.

5. Payment Purpose: You might need to indicate the purpose of the payment or include an invoice or reference number, especially for bill payments or business transactions.

6. Payment Date: Specify the date when you want the ACH payment to be initiated. For one-time payments, this is often the current date or a date in the near future. For recurring payments, you typically set a schedule for future payment dates.

7. Your Information: Depending on the payment processor or service provider, you may need to provide your name, contact information, and account details if you haven't already done so.

8. Authorization Method: In some cases, you may need to authorize the ACH payment through a specific method, such as online banking, a mobile app, or by providing a signed paper form.

9. Security Information: Ensure that you are using a secure and trusted platform or service to initiate the ACH payment. This includes protecting your login credentials and verifying the authenticity of the recipient if it's a business or individual you haven't dealt with before.

It's important to note that the specific information required may vary depending on the bank, payment service provider, or the purpose of the ACH payment. Always double-check with your bank or the entity receiving the payment to ensure you provide the correct and complete information to initiate a successful ACH payment. Additionally, be cautious about sharing your banking information and only use reputable and secure payment methods for ACH transactions.

The processing time for an ACH (Automated Clearing House) payment can vary depending on several factors, including the financial institutions involved, the timing of the payment initiation, and the specific rules and schedules of the ACH network. However, here is a general guideline for how long it typically takes for an ACH payment to be processed and reflected in your account:

1. Same-Day ACH: The same-day ACH service was introduced to expedite ACH payments. Payments sent using this option can often be processed and reflected in the recipient's account on the same business day. It's important to note that not all ACH transactions are eligible for same-day processing, and there may be an additional fee associated with this service.

2. Next-Day ACH: Next-day ACH payments are processed on the next business day after the payment is initiated. This option is commonly used for payroll processing and certain types of bill payments. Payments initiated late in the day may be processed the following business day.

3. Standard ACH: Standard ACH payments typically take two to three business days to be processed and reflected in the recipient's account. This is the most common processing timeframe for ACH payments and is suitable for various types of transactions, including bill payments and direct deposits.

It's important to keep in mind that weekends and federal holidays can impact the processing time for ACH payments. For example, payments initiated on a Friday may not be processed until the following Monday if it's not a same-day ACH transaction. Additionally, the specific policies and processing times of your bank and the recipient's bank can influence how quickly the payment is reflected in the account.

To get precise information about the processing time for your ACH payment, you should check with your bank or the service provider through which you are initiating the payment. They can provide you with details on the expected processing timeframe based on the specific circumstances of your transaction.

About Us

When you donate to a Canadian charity using Werbylo, you're contributing to a greater cause - increasing charitable giving across Canada. With our innovative fundraising tools, more of your donation goes directly to the charity, enabling them to do more good.

We are grateful for your support, and there are additional ways you can help us serve both charities and individuals.

Spread the word and tell your friends and family about us over the phone, in an email, or by posting a link to our site on social media. Together, let's make a difference and create a better world.

At Werbylo, we uphold the highest standards of consumer protection in line with the Canadian Code of Practice for Electronic Commerce. We are committed to upholding the benchmarks set out in The Code, and we strive to exceed these standards in all of our online business activities.

As of now Werbylo only supports Registered Canadian non profits.

Werbylo offers a range of popular features to make fundraising easier.

With just one click, donors can set up recurring donations on a monthly, annual, weekly, or quarterly basis.

Donors have the option to cover the processing fee on their donations, while organizations can leverage company matching donations.

Werbylo campaigns can be easily shared across social media platforms.

Werbylo keeps an eye on the progress of fundraising campaigns and can be tracked on our dashboard.

Donors are automatically allocated a donor profile.

Internal Notes can be added to each donor and donation, and organizations can collect contact information such as addresses, phone numbers, and employment information.

Werbylo donation forms can be customized to match any color scheme, and organizations can get their own donation page for free, hosted on SSL-enabled servers.

Tax receipts are automatically sent to each donor, and year-end tax receipts can be sent out in time for tax season.

Integrate Werbylo with favorite apps such as Salesforce, Zapier/API, Text-to-Give, or MailChimp for email marketing.

You can support any charities that has been registered with the CRA and who have partnered with Werbylo for fundraising.

Unfortunately No. Werbylo can only be used by registered non-profit organizations.

Reach out to us if you have questions.

We are delighted to welcome you to the Werbylo family! Taking advantage of all the benefits our app can offer to your organization is a breeze; simply follow these steps to get started:

- Sign Up with Werbylo

Create an account and activate it to get going.

- Register your account to receive donations.

Ready to start receiving donations and accessing the features in the Analytics? Setting up your Werbylo account is easy!

First, you'll need to set up next-day deposits, provide your tax information, specify your organization's primary representative, and customize your profile. You can complete these tasks in any order you prefer.

- Customize your profile

To ensure your account is properly set up, we suggest customizing your profile to increase donor engagement and recognition. Upload a logo or image that best represents your organization, add the name of your faith leader if applicable, and include a mission statement. This information will be displayed in the Werbylo app to your donors, helping to create a professional and recognizable presence.

As the digital world evolves, fundraising for nonprofit organizations and charities is no longer limited to traditional methods such as direct mail or in-person events. In fact, online fundraising has become a crucial tool for organizations of all sizes to connect with donors and raise funds efficiently. With so many options out there, however, it can be challenging to determine the number one fundraising platform.

At Werbylo, we are proud to say that we believe our platform is the best in the industry. Our cutting-edge technology, powered by artificial intelligence and QR codes, allows us to provide a seamless donation experience for both donors and organizations.

One of the key features that sets Werbylo apart is our use of AI-powered fundraising tools. With our platform, nonprofits and charities can leverage the power of AI to gain insights into donor behavior and preferences. This enables them to tailor their fundraising campaigns to the specific needs of their donors, increasing the chances of success.

Another feature that makes Werbylo unique is our use of QR codes. By including a QR code on donation pages and marketing materials, donors can simply scan the code to make a donation. This eliminates the need for donors to manually enter their information, making the donation process quicker and easier.

But what really sets Werbylo apart as the number one fundraising platform is our dedication to serving nonprofits and charities of all sizes. Unlike other platforms that may cater primarily to larger organizations, we work with nonprofits and charities of all sizes to ensure that they have the tools and resources they need to succeed.

Whether you're a small grassroots organization or a large national charity, Werbylo can help you achieve your fundraising goals. So why not give our platform a try and see why we believe we're the number one fundraising platform in the industry? With our AI-powered tools, QR codes, and commitment to serving nonprofits and charities, we're confident that we can help you take your fundraising efforts to the next level.

Werbylo Donor App

- Donate to any Canadian charity of your choice and receive your tax receipt instantly.

- Set up a monthly donation schedule to provide a regular source of support to the organizations you care about.

- Maximize your giving by donating securities and mutual funds for tax advantages.

- Honour or remember someone special with a donation.

- Create a fundraising page for any special occasion and share it with friends and family to contribute to your effort.

- Save your favourite charities for easier giving.

- Keep all your charitable receipts in one place for tax time.

- Open a free Werbylo donor account to take advantage of these services.


Tokenization enhances data security and privacy through several key mechanisms:

  • Data De-Identification: Tokenization replaces sensitive data, such as credit card numbers or Social Security numbers, with randomly generated tokens. These tokens have no meaningful connection to the original data, making it virtually impossible for unauthorized individuals to decipher the actual information. This de-identification process ensures that even if the tokens are intercepted, they are of no value to attackers.
  • Isolation of Sensitive Data: In tokenization systems, the sensitive data is stored in a secure location known as a tokenization vault. This vault is typically heavily protected, and access is strictly controlled. By isolating sensitive data in this manner, it becomes more challenging for attackers to access or manipulate it directly.
  • Reduced Attack Surface: Tokenization reduces the attack surface of sensitive data. Instead of having to secure and protect sensitive information at multiple points within a system, organizations only need to focus on securing the tokenization vault. This simplifies security measures and minimizes potential vulnerabilities.
  • Secure Transmission: When tokens are used in transactions or data exchanges, they can be transmitted securely over networks without revealing the original data. This is crucial for online transactions, as it prevents interception of sensitive information during transmission.
  • Compliance with Regulations: Tokenization helps organizations comply with data protection regulations and standards, such as GDPR or PCI DSS. By using tokens instead of storing sensitive data in plain text, organizations can reduce the risk of non-compliance and the associated legal and financial consequences.
  • Minimized Insider Threats: Tokenization can also mitigate insider threats. Even employees with access to the tokenization system cannot easily access or misuse sensitive data since it resides in a secure vault. This limits the potential for data breaches caused by internal actors.
  • Improved Data Governance: Tokenization systems often provide robust auditing and access control features. Organizations can track who accesses sensitive data within the tokenization vault, enhancing data governance and accountability.
  • Enhanced Trust: Tokenization demonstrates a commitment to data security and privacy. Customers and partners are more likely to trust organizations that employ strong security measures to protect their sensitive information, enhancing the reputation and trustworthiness of the business.

Yes, tokenization is a highly suitable solution for protecting sensitive information in a cloud-based environment. Here's why:

  • Data Security: Cloud environments can be susceptible to various security threats, including unauthorized access, data breaches, and insider threats. Tokenization helps protect sensitive data by replacing it with meaningless tokens. Even if an attacker gains access to the cloud infrastructure, they will find only tokens that are of no value without access to the tokenization vault.
  • Reduced Risk: Cloud providers typically have robust security measures in place, but security incidents can still occur. Tokenization complements these security measures by adding an extra layer of protection. It reduces the risk associated with storing sensitive data in the cloud, making it a less attractive target for cybercriminals.
  • Data Privacy and Compliance: Many organizations need to comply with data privacy regulations when storing data in the cloud, such as GDPR, HIPAA, or industry-specific standards. Tokenization helps organizations meet these compliance requirements by minimizing the exposure of sensitive data. This reduces the complexity of compliance efforts and minimizes the risk of non-compliance penalties.
  • Scalability: Cloud environments are known for their scalability, making them suitable for handling large volumes of data. Tokenization can easily scale with the cloud infrastructure, ensuring that sensitive data remains protected even as data volumes grow.
  • Secure Data Sharing: Cloud-based collaboration and data sharing are common practices in modern business. Tokenization allows organizations to securely share data with trusted partners, customers, or other third parties without exposing sensitive information. Only authorized parties with access to the tokenization system can decode tokens back into the original data.
  • Auditability and Access Control: Tokenization systems often provide robust auditing and access control features. This allows organizations to monitor and control who accesses sensitive data within the cloud environment, enhancing data governance and accountability.
  • Flexibility: Tokenization is adaptable to various cloud deployment models, including public, private, and hybrid clouds. Organizations can implement tokenization in a way that aligns with their specific cloud strategy and requirements.
  • Cost-Efficiency: Implementing tokenization in the cloud can be cost-effective. Organizations can leverage cloud-based tokenization services or deploy tokenization solutions within their cloud infrastructure without the need for extensive hardware investments.

Account Updater

Yes, your credit card information is secure when using the Automatic Donor Credit Card Updater service. The security of sensitive financial information is a top priority for Werbylo. We use encryption and always keep updated with various industry standard security  compliances. You are in safe hands.

If your credit card expires or is replaced while using the Automatic Donor Credit Card Updater service, the service will typically ensure that your payment information is updated seamlessly to prevent any disruptions to your recurring donations. There is no need to do anything manually.

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