To request an electronic check debit, set the ecDebitService_run field to true. When you request a debit, do not request any of the following services at the same time:
nAny credit card services: ccAuthService, ccAuthReversalService, ccCaptureService, ccCreditService. For information about these services, see Credit Card Services User Guide.
nElectronic check credit: ecCreditService. For information about this service, see Electronic Check Credits.
nPayPal payment or credit: payPalPaymentService, payPalCreditService. For information about these services, see the PayPal Express Checkout Services Using the Simple Order API.
Handling Customer Account Information
Service:
nDebit
Processors:
nChase Paymentech Solutions
nCybersource ACH Service
nRBS WorldPay Atlanta
nTeleCheck
Merchant-provided data handling requires you to collect the customer’s account information and provide it in your service request. The required fields are:
ncheck_accountNumber
ncheck_accountType
ncheck_bankTransitNumber
You must modify your web site to collect the account information. Retain the account information for future transactions, such as credits.
Customers might not know how to use their printed checks to find the bank routing number and the bank account number. Consider using a graphic like this on your web site:
Example 4Check Showing Routing Number and Account Number
The following events occur when you request a debit:
1Your customer places an order.
2You request an electronic check debit.
3In your request, you provide the customer’s account information.
4Cybersource sends the customer’s account information and other information about the transaction to the check processor.
5The payment processor validates the information and performs basic fraud screening.
The processor does not contact the customer’s bank to verify the existence of the customer’s account; it makes sure that only the information provided by the customer is reasonable and that the account is not a known source of fraud.
Depending on which processor you use, if there are problems with the account that prevent the transaction from being completed, the processor might charge you a returned check fee.
6The payment processor sends a reply to Cybersource indicating whether or not the debit will be processed.
7Cybersource sends a reply to you.
8You display an appropriate message to your customer.
9The processor sends the request for clearing.
Notifications of Change (NOCs)
Services:
nCredit
nDebit
Processors:
nCybersource ACH Service
nRBS WorldPay Atlanta
A Notification of Change (NOC) is a notice from a customer’s bank indicating that an electronic check transaction included incorrect customer or payment information. The customer’s bank:
1Corrects the information.
2Posts the transaction to the customer’s bank account.
3Notifies you that payment information needs to be updated.
Each NOC includes a code that specifies what needs to be changed. You are responsible for taking the appropriate action when you receive a NOC.
You must correct all applicable records before submitting additional electronic check transactions for the customer. If you are using the Token Management Service or Recurring Billing, you must update the information in your tokens, subscriptions, or customer profiles.
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Cybersource maintains a database of all NOC entries. Repeated attempts to resubmit an uncorrected transaction could result in a fine and possible sanctions from the National Automated Clearing House Association (NACHA). |
To get information about the NOCs for your transactions:
Step 1Create a PGP key pair as described in Creating and Using Security Keys.
Step 2Log in to the Business Center and view the NOC Report, which is available under Transaction Reports.
You can also talk to your bank about getting a report that includes NOCs. NOC codes are described in NOC Codes.
For information about optional features such as subscriptions and deferred payments, see Optional Features.
For detailed descriptions of these fields, see Request Fields.
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On TeleCheck, request field values must not contain ampersands (&). |
nbillTo_city
nbillTo_company
nbillTo_companyTaxID
nbillTo_country
nbillTo_driversLicenseNumber
nbillTo_driversLicenseState
nbillTo_email
nbillTo_firstName
nbillTo_ipAddress
nbillTo_lastName
nbillTo_phoneNumber
nbillTo_postalCode
nbillTo_state
nbillTo_street1
nbillTo_street2
ncheck_accountEncoderID
ncheck_accountNumber
ncheck_accountType
ncheck_bankTransitNumber
ncheck_checkNumber
ncheck_secCode
necDebitService_commerceIndicator
necDebitService_debitRequestID
necDebitService_paymentInfo
necDebitService_paymentMode
necDebitService_referenceNumber
necDebitService_run
necDebitService_settlementMethod
necDebitService_verificationLevel
ninvoiceHeader_merchantDescriptor
nitem_#_productCode
nitem_#_productName
nitem_#_productSKU
nitem_#_quantity
nitem_#_taxAmount
nitem_#_unitPrice
nlinkToRequest
nmerchantID
nmerchantReferenceCode
npurchaseTotals_currency
npurchaseTotals_grandTotalAmount
nrecurringSubscriptionInfo_subscriptionID