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

Day 7

On day 7, the merchant processes three debit transactions totaling $2,000 and no credit transactions. $2,000 is moved to the settlement account. $5,750 is funded from day 4, based on the settlement account balances, minus days 5 and 6, and day 7 debit amounts. Reconciliation reports are generated for day 4 transactions and day 7 credits.

On day 7, a Chargeback Details Report is generated because two returns were sent back by payment processors. A debit for $1,500 was returned because of an incorrect account number, and a credit for $250 was returned because the account was closed. The reason codes listed in the chargeback details report are ACH return codes.