API Overview

eCheck Merchant Guide
- Recent Revisions to This Document

Introduction to the eCheck Service
- Requirements for Using the eCheck Service
- eCheck Transaction Types

Getting Started with the eCheck Service
- eCheck Application
- Boarding Your Merchant Account for Sandbox Testing

Overview of eCheck Transaction Processing
- eCheck Settlement
- eCheck Transaction Statuses During Processing
- eCheck Integrations
- eCheck Risk Reserve
- eCheck Processing Limits and Settings
- eCheck Notice of Change
- Payment Authorization and Authentication for eCheck Transactions
- eCheck Records Retention Requirements

Manage eCheck Settings in the Business Center
- Managing Merchant Permissions in the Business Center
- Accessing eCheck Settings in the Business Center

Process eCheck Transactions Using the Business Center
- Submitting Transactions Using the Virtual Terminal
- Submitting Transactions Using Recurring Billing and Token Management Service
- eCheck Transaction Search and Details

Process eCheck Transactions Using the REST API
- Processing an eCheck Debit Transaction Using the REST API
- Processing a Recurring eCheck Debit Transaction Using the REST API
- Creating an eCheck Token Using the REST API
- Creating an eCheck Token and Processing an eCheck Transaction Using the REST API
- Using an eCheck Token to Submit an eCheck Debit Transaction Using the REST API

Accept eCheck Payments through Unified Checkout

eCheck Reconciliation Reports
- Funding Details Report
- Chargeback Details Report
- Deposit Details Report

eCheck Reconciliation Reporting Case Study
- Day 1
- Day 2
- Day 3
- Day 4
- Day 5
- Day 6
- Day 7
- Day 8

Deposit Details Report Line Items

The Deposit Details Report contains these line items:

Category = Settlement: This line item depicts the funds transferred from your eCheck settlement account to your merchant bank account as part of the daily automated funding job.
Category = Manual funding: This line item depicts the funds transferred from your eCheck settlement account to your merchant bank account as needed outside of the daily automated funding.
Category = Deficit recovery: This line item depicts the funds transferred from your merchant bank account to your eCheck settlement account in order to recover any deficit in the balance caused by returns or chargebacks.
Category = Manual transfer from settlement account to reserve account: This line item depicts the funds transferred from your eCheck settlement account to your eCheck reserve account.
Category = Manual transfer from reserve account to settlement account: This line item depicts the Funds transferred from your eCheck reserve account to your eCheck settlement account.

The Deposit Details Report also includes line items for unscheduled activities such as these:

Funding

Deficit recovery

Fund transfers between your eCheck settlement and reserve accounts