Configuring the
eCheck
 Payment Module

The Cybersource
eCheck
 module allows 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.
These are the
eCheck
 payment event types you can configure:
  • 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.

Testing
eCheck
 Payment Settings

You can test the
eCheck
 Payment Event Types using two the
Adobe Commerce Cloud
 settings that simulate possible event types during the processing of the requested report. While the status request goes to Cybersource, the
Adobe Commerce Cloud
 ignores the returned Payment Event Type in the response and uses the Test Event Type instead.
Follow these steps to test the
eCheck
 Payment Event Types:
  1. Click
    eCheck
     to expand the section.
  2. From the
    Enabled
     drop-down list, choose
    Yes
     to enable the
    eCheck
     payment method.
  3. From the
    Title
     field, enter the text that is displayed to customers as the name of this payment method.
  4. In the
    Accept Event Type
     box, choose which payment statuses to accept, which signify the receipt of funds and the order status moved to processing.
  5. In the
    Pending Event Type
     box, choose which payment statuses to consider for pending.
  6. In the
    Reject Event Type
     box, choose which payment statuses to reject which were initially accepted during checkout, but rejected after processed by ACH.
  7. In the
    Payment From Applicable Countries
     field, leave the
    Use system value
     box checked to accept the
    eCheck
     payment method, or uncheck the
    Use system value
     box to specify countries in the next field.
  8. In the
    Payment From Specific Countries
     box, choose the countries from which to accept the
    eCheck
     payment method.
  9. From the
    Enabled Drivers License Number
     drop-down list, choose
    Yes
     or
    No
     to require customers to enter a drivers license number. For
    TeleCheck
    , contact a representative to see if this field is required.
  10. From the
    Enabled Check Number
     drop-down list, choose
    Yes
     or
    No
     to require the customer to enter the check number. These processors have specified whether it is required or optional:

    ADDITIONAL INFORMATION

    • Chase Paymentech Solutions
      : Optional
    • Cybersource ACH Service
      : Not used
    • RBS WorldPay Atlanta
      : Optional on debits, and required on credits
    • TeleCheck
      : Strongly recommended on debit requests, and optional on credits
  11. From the
    Agreement Required
     drop-down list, choose
    Yes
     or
    No
     to indicate whether you want to require an agreement at the checkout page.
  12. From the
    SEC code
     drop-down list, choose a code that specifies the authorization method for the transaction.
  13. In the
    Sort Order
     field, enter the number of entries to be sorted on a page.
  14. Click
    Save Config
    .
Configuring the eCheck Payment Module