Developer's Guide

Table Of Contents

Gateway Developer Guide and Reference 31 July 2012 139

TeleCheck Electronic Check Processing

TeleCheck Authorization Requirements

With the TeleCheck Non Face-To-Face (NFTF) Host Based Capture Service, the merchant is

responsible for handling all front-end aspects of the point of sale, including displaying the

appropriate disclosures to the customer. TeleCheck will provide form language for the

merchant to use.

NOTE: It is the merchant’s responsibility to ensure that they have the most current language

from TeleCheck. TeleCheck will send out a Service Notice when updated language or

system changes are required. Additionally, the Merchant should be familiar with

NACHA, FCRA and Reg. E compliance requirements.

There are two different situations during which the merchant must display legal language:

 Authorization – Sales Consent

The language varies slightly between the Internet Check Acceptance and Checks By Phone

services.

 Authorization – Sales Decline

The language is identical for Internet Check Acceptance and Checks By Phone services.

Authorization – Sales Consent

With the Non Face-To-Face Host Based Capture Service, the merchant is responsible for

handling all front-end aspects of the point of sale, including displaying the appropriate

disclosures to the customer. TeleCheck will provide form language for the merchant to use.

Internet Check Acceptance Authorizations

At the end of the check out process, the merchant must display consent language for the

customer to accept prior to submitting the authorization request as follows:

Internet Check Acceptance Authorization Consent Required Language

FULL DEBIT

By entering my account number above and clicking Authorize, I authorize my payment to be

processed as an electronic funds transfer or draft drawn from my account. If the payment is

returned unpaid, I authorize you or your service provider to collect the payment and my state’s

ACK Inquiry Packet was accepted by the TeleCheck Host

NAK Inquiry Packet was not successfully processed by TeleCheck (general error)

49 Inquiry Packet was not successfully processed by TeleCheck (scheduled maintenance)

97 Inquiry Packet was not successfully processed by TeleCheck (timeout)

27 Inquiry Packet was not successfully processed by TeleCheck (invalid data)

Code Description