Authorize.Net: Automated Clearing House Check Processing (eCheck)

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Overview

• Automated Clearing House (ACH) Check Processing is available at the Payment tabs of the Manual Orders, Process Orders and Multi-Order Processor screens. At the Multi-Order Processor, eChecks are only processed if you set the Credit Card Mode to "Sale".

• The eCheck payment method is supported at the at the Point-of-Sale screen synonymous with the Microsoft Access Form object or graphical user interface (GUI), but the data must be hand-keyed, as the program does not support check reading hardware at this time.

• The eCheck payment method is also supported for imported Web orders, provided the shopping cart an e-commerce software system that allows a retailer to sell products on the Web. In the context of Monsoon OMS, it refers to the settings that describe a merchant's web store to the program, allowing it communicate with the online shopping cart and import orders and other information system provides the appropriate data points.

• You can also accept eCheck payments for Point-of-Sale sales or for imported Web orders, provided the shopping cart system provides the appropriate data points.

• This kind of payment is very similar to credit card processing except that there is no "Pre-Authorization" or "Delayed Capture" with check processing.
• The program now includes a standard payment method called "eCheck" that cannot be removed.

IMPORTANT NOTE:

Please note that the submission of a check payment to Authorize.Net does not guarantee payment when the check is presented to the issuing bank. Therefore, Authorize.Net highly recommends that you do not ship the goods until you have confirmed that the check cleared ACH Processing, typically in 3-5 business days. If the check was refused by the ACH system, the user must manually edit the Amount Received in the SEOM transaction record to $0.00 (which deletes the transaction) to reflect the balance due by the customer.

Required Data Points

The system collects the following data and sends it via Authorize.Net to the ACH check processing system:

• Checking/Savings Account number

• Name on the Account

• Bank's Routing Number

• Bank's Name

• Account Type (Checking, Business Checking, Savings)

• Transaction type (PPD, CCD, TEL, WEB)

• PPD – Prearranged Payment and Deposit Entry - represents a charge or refund eCheck transaction against a consumer checking or savings account.

• CCD – Cash Concentration or Disbursement - represents a charge or refund eCheck transaction against a business checking account.

• TEL – Telephone-Initiated Entry - represents a charge eCheck transaction against a consumer checking or savings account, and for which payment authorization was obtained from the customer via the telephone.

• WEB – Internet-Initiated Entry (default) - represents a charge eCheck.Net transaction against a consumer checking or savings account, and for which payment authorization was obtained from the customer via the Internet.

Additional Information

Authorize.Net

Authorize.Net

Created:

Revised: 11/8/12

Published: 04/13/16