User guide

Pocket Verifier • Smartphone Edition • User Guide and Tutorial 19 of 27
ACH Account Transfers
Introduction
This option is primarily so your business can accept checks by telephone, fax machine, or
e-mail. If your customer can physically hand you a check, you are better off accepting it
and physically depositing it at your bank.
The bad check protection statutes and laws generally apply only to physical checks, with
pen-and-ink signature. In addition, the customer can challenge and reverse the electronic
check up to sixty days after it is issued. The electronic check acceptance feature is a
convenience for the reputable vendor to accept non-physical checks from honest
customers. To date, it does not offer all of the safeguards that physical checks and credit
card transactions do.
Please familiarize yourself with the procedures for processing credit card sales. The
procedures for an electronic check are nearly identical except that instead of entering a
credit card account number and an expiration date, you enter the numbers on the bottom
of the check.
There are three groups of numbers on the check. One is the check number, another is the
ABA or bank routing number (also known as the transit number), and the thrid is the
account number. This is shown in the diagram below.
Please note that the relative positions may vary from check to check, but the check
number on the bottom always matches the number in the upper right hand corner.
Additionally, the routing number can always be found between two
|: marks. The
following tutorial uses a fictitious savings account.