Developer's Guide

Gateway Developer Guide and Reference 07 January 2014 141
B
TeleCheck Electronic Check
Processing
This appendix describes the host-based capture version of the TeleCheck Non-Face-To-Face
Check Acceptance (NFTF) services.
TeleCheck NFTF Overview of Services
NFTF offers merchants the convenience of electronic check deposits. When a NFTF
transaction is approved by TeleCheck, the manually entered MICR data from the check is
electronically converted to an ACH debit and is processed through the ACH Network. The
merchant receives funds within two banking days.
NFTF includes TeleCheck Internet Check Acceptance (ICA), Checks By Phone (CBP), and
Prearranged Deposit Services (NFTF PPD). Each of these products requires a separate
Merchant ID also known as a Subscriber ID. See below for more details.
 ICA provides merchants with the capability to authorize and electronically settle checks
presented by customers over the internet. ICA can be single entry or recurring. This is
based on customer's authorization received over the internet.
 CBP authorizes and electronically settles checks presented over the phone through
customer interaction with a merchant call center representative. CBP services are single
entry only. Partial debits and recurring entries are not allowable per NACHA guidelines.
 NFTF prearranged payment and deposit entry (NFTF PPD) may be used for either
recurring or non-recurring debits to a customer's account, when the merchant has provided
the customer with a written authorization, which the customer has signed or similarly
authenticated. Actual payments are facilitated via the internet or via IVR or over the phone.
The application type value must be set to PPD. PPD accounts must establish an end date to
clearly define terms between customer and merchant, but do not have time period caps.
TeleCheck NFTF Processing Overview
NFTF requirements, processing considerations, and guidelines for processing check payments
are described below.
NFTF Requirements
The following requirements must be followed as standard operating procedures to
electronically process a NFTF check payment:
 A TeleCheck Merchant ID is required on all transactions and is unique to each location.