Configuring the eCheck Payment Module
eCheck
Payment ModuleAmerican Express DirectAPI
The Cybersource
eCheck
module enables customers to make purchases
using a routing number and an account number. During checkout, an eCheck
transaction request is sent to Cybersource. If successful, the
transaction is sent to the Automated Clearing House (ACH).The
Adobe Commerce Cloud
queries Cybersource periodically to check on
the status of each pending eCheck
transaction. In response,
Cybersource provides an updated transaction status, known as a Payment Event
Type
. Various outcomes can occur during ACH processing. For each pending transaction
included in the Cybersource response, the Adobe Commerce Cloud
determines whether a transaction remains pending, settles, or is rejected.You can configure these
eCheck
payment event types :- Pending Event Type: No change is made to the transaction or order status. The order remains in Payment Pending state.
- Reject Event Type: The order is cancelled.
- Accept Event Type: An invoice is prepared for that order, and the order status changes to processing.