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

eCheck Processing Limits and Settings

When completing the eCheck application, you can request that a specific monthly and per-transaction limit be considered. However, the eCheck processing limits are determined during the underwriting process for your application. The requested amounts should be based on what you anticipate processing with eCheck. After sufficient processing history is established, you can request a limit increase at the Support Center at support.visaacceptance.com. At that time, the Cybersource Risk Team will review your account history and can approve, modify, or decline the request to increase your processing limits.

IMPORTANT

If you exceed the monthly processing limit, a funding hold is applied to your account and you must contact the Support Center to remove the hold and increase your limit, if needed, based upon your account history.

Processing settings include:

Per-Transaction Limit
: maximum amount allowed for a single eCheck transaction.

Monthly Processing Limit
: total amount of charges and refunds allowed per month for eCheck transactions.

Funds Holding Period
: number of days that funds from settled eCheck transactions are held before being deposited to your merchant bank account.