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 Chargebacks

For transactions made from personal checking and savings accounts, Nacha grants 60 calendar days during which a customer may return a charge item erroneously posted to the customer’s bank account. The 60-day window begins the day the bank first made its statement with the transaction listed available to the customer.

IMPORTANT

If your eCheck return rates exceed Nacha thresholds, Nacha might require additional information. You will be notified by Cybersource and must immediately respond and become compliant. After becoming compliant you must maintain compliance for the next 180 days. If you cannot reach and maintain compliance, your account might be terminated.

Nacha Thresholds for eCheck Returns
Return Type	Nacha % Threshold	FNBO Volume Threshold	Days to Comply	Maintenance Period
Unauthorized	0.50%	5 items	30 days	180 days
Administrative	3.0%	15 items	60 days	180 days
Total	15.0%	25 items	60 days	180 days

Take precautions to minimize the risk of losses when using the eCheck service. To reduce the potential for chargebacks, you must ensure that you are receiving the proper payment authorization prior to processing an eCheck transaction. You may also want to consider waiting to ship goods until after eCheck transaction proceeds are deposited in your merchant bank account (following the required Cybersource holding period).