# Payee Invitations

**Why are vendors required to accept terms before receiving ACH payments?** Terms acceptance is required for ACH payments only. Check payments do not require submitting terms. This is a compliance requirement from Charted's payment partner, Dwolla, and ensures that all vendors are notified before any ACH transfer occurs.

**Why is my vendor's payee status still showing as Invite Outstanding after they received the onboarding email?** The Invite Outstanding status remains until the vendor completes the Agree & Continue flow, or until the 10-day opt-out period closes without a response. Invite Outstanding only applies to ACH payment methods, check payment methods do not require a completed invitation.

**How long does a vendor have to opt out of ACH payments?** Vendors have 10 business days from when the onboarding email is sent to opt-out using the link the email. If no action is taken within that window, they are automatically enrolled and their payee status moves to Completed.

**How do I know if a vendor has opted out?** You will receive an automatic email notification that includes the reason the vendor provided. There is no dedicated status in the Payees list for this state.

**What should I do if a vendor opts out?** Contact the vendor directly to discuss further and/or arrange an alternative payment method. If they later want to receive ACH payments, send them a new invite. They will need to complete payee invitation to be re-enrolled.

**What if a vendor says they missed the opt-out window but want to decline ACH?** After the 10 day business window, the vendor cannot opt out through our system. At your vendor's request, you can remove the ACH payment method manually in Charted and change the preferred payment method to Check. 

**How does my vendor opt-out?** If a payee is receiving an invite for the first time, or has not previously completed an invite, the invitation email will include a link at the bottom of the email that allows them to opt-out of ACH payments. The vendor will need to submit a reason (must be 25 characters) before submitting opt-out. 

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