ACH & credit card payment set up in AX 2012?

Hi, could someone point me how to set up AP ACH and Credit card payment

do I need to sign up for any additional services

do we need to set up anything at the Bank etc?

I did set up a nacha file format and associate to the Bank. Though I couldn’t generate the payment option, however, i am able to use it from the journal and post it. If there is anything more (would hope), please share