+ my $achonfile = 0;
+ if ( $cust_main->paymask eq $payinfo ) {
+ $payinfo = $cust_main->payinfo;
+ $achonfile = 1;
+ }
+
+ if ($conf->exists('selfservice-ACH_info_readonly') && !$achonfile) {
+ return { 'error' => "You are not allowed to change your payment information." };
+ }