2009
Table Of Contents
- Contents
- Signing Up for Payflow ACH Payment Service
- About ACH Payments
- Summary of Authorization Requirements
- How Payflow ACH Payment Works
- ACH Payment Flow
- Timetable for a Typical ACH Payment
- Example of a Successful Business-to-Business Debit/Sale Payment
- Example of a Business-to-Business Sale/Debit Payment With a Customer Return Within Three Posting Days
- Example of a Business-to-Consumer Sale/Debit Payment With a Customer Return After Three Posting Days
- Example of a Successful Business-to-Consumer Credit Payment
- Example of a Business-to-Consumer Credit Payment With a Customer Side Return
- ACH Payment Types
- Retrying Returned Payments
- Notifications of Change
- Using PayPal Manager to Perform ACH Payments
- Using the Payflow Pro SDK to Perform ACH Payments
- Testing ACH Payments Using the Payflow SDK
- Responses to ACH Payment Requests
- Index
Payflow ACH Payment Service Guide 15
About ACH Payments
ACH Terminology
2
Inquiry The Inquiry function returns the consumer-side result. You can run an Inquiry against
a Debit, Credit, or Void payment type. You can look up the information either by
submitting a PNREF in the ORIGID field or by submitting the CUSTREF with the
value that you created while submitting the payment.
NACHA National ACH Association. Rule-making standards body for the ACH Network and
other payments systems.
See www.nacha.org
for details.
Notification of Change
(NOC)
Response from an ODFI indicating that bank account information has changed and
should be updated in merchant records.
Originating Depository
Financial Institution
(ODFI)
ODFI is a financial institution that initiates and warrants electronic payments through
the ACH network on behalf of its customers.
PayPal connects to an ODFI to implement ACH service.
Originator The ACH Originator is a company or other business entity that creates entries for
introduction into the ACH network; for example, a billing company produces debit
entries from customers’ financial institution bank accounts who have authorized
direct payment for products and services.
POP Point-of-Purchase Entry — Single-entry Debit/Sale for purchase made in person at
the point-of-purchase. Because you must obtain the ABA routing number, account
number, and check serial number from the check using a check reader device, you can
submit POP payments only using the Payflow Pro SDK and not from PayPal
Manager. See “Summary of POP Requirements” on page 19 for other requirements.
PPD Prearranged Payment and Deposit Entry. One of the SEC payment types supported by
PayPal.
PPD payments perform business-to-customer transfers. Common applications: Direct
deposit, a credit transfer into a customer’s bank account at the RDFI. Pre authorized
bill payment is a debit application in which the customer grants authority to initiate
periodic charges to the customer’s bank account.
Prenote,
Prenotification Prenote refers to a Prenotification payment (with no monetary amount transferred)
that you can use to verify bank account validity. Receiving banks (RDFIs) are not
required to respond to a Prenotification payment. Prenotifications are not settleable
payments, however they can be voided.
RCK Re-Presented Check Entry — Re-present a returned check into an electronic debit.
RCK payments have a payment limit of $2500 and can be retried only once. See
“Summary of RCK Requirements” on page 21 for other requirements.
Receiving Depository
Financial Institution
(RDFI)
An RDFI is a financial institution that provides depository bank account services to
customers, employees, and businesses and accepts electronic debits and credits to and
from those bank accounts.
Retry Interval The time interval (between 1 and 7 banking days) between receiving an NSF return
and retrying the payment. You specify this value when configuring your Payflow
ACH Payment Service account.
Return Payment that is returned due to reasons like Non-sufficient Funds (NSF). Returns are
initiated by the RDFI.
T
ABLE 2.1 ACH terminology