Preparing to Accept Electronic Checks

The Payment Events Report and the Order Detail Report are daily downloadable reports that contain up-to-date settlement and batch information for your account. Users who have the VR permission (View Reports) can download this report in CSV or XML format. You can sign up for these reports in the Business Center. See the Business Center Reporting User’s Guide for more information.

Web Site Requirements

You need to add these items to your Web site:

Step 1

A graphic such as the one below to help customers locate their bank routing number and checking account number.

Step 2

A link to the table of current state returned check fees (http://www.achex.com/html/NSF_pop.jsp)

Because this table is updated regularly, CyberSource recommends that you link directly to it. If you use the Hosted Order Page or the Simple Order API, you can display the state fees table in a pop-up window, a full browser window, or directly on the checkout page.

Step 3

A consent statement that your customer must accept before you submit the debit request.

You cannot change the text except when specified. To add a consent statement for the check authorization on your Web site:

■

If you use the Hosted Order Page, see the Business Center Hosted Order Page User's Guide.

■

If you use the Simple Order API, see the Business Center Simple Order API User's Guide.

Call Center Requirements

If you have a call center in addition to or instead of a Web site, you need to have the following statement ready for your phone operators. Your customer service agent must read and the customer must accept this statement on the phone before you submit the authorization request:

Today [insert today’s date], I’d like to confirm that you, [insert first and last name], are authorizing a payment in the amount of [insert amount] to be processed as an electronic funds transfer or draft drawn from your account. Do you agree? If your payment is returned unpaid, you authorize us or our service provider to collect the payment and your state’s return item fee of [insert state returned item fee] by electronic funds transfer(s) or draft(s) drawn from your account. Do you agree and authorize the payment?


	You can modify this last sentence as necessary to make it possible for your customer to see the table of state fees for returned checks (http://www.achex.com/html/NSF_pop.jsp), or you can give the information to your customer on the phone.

Testing Your Implementation

To familiarize yourself with Electronic Check Services and to verify that your implementation is correct, CyberSource recommends that you perform tests to verify that all accounts are activated properly and that the funds are transferred to your account.

Request test debit and credit transactions with your own account. If transactions fail, your payment processor information may be incorrect. Contact your check processor to confirm your processor information.