2009

Summary of Authorization Requirements
Summary of ARC Requirements
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18 Payflow ACH Payment Service Guide
Maintaining the Authorization Agreement
You must retain the authorization for a period of two years following the termination or
revocation of the agreement.
CCD and PPD Credit Authorizations
You need not request an authorization for a credit.
Summary of ARC Requirements
The ARC Standard Entry Classification (SEC) allows for a single entry ACH debit transaction
to convert a consumer check received via the US mail or at a drop box location for the
payment of goods and services.
ARC Legal Framework
The ARC entry is subject to NACHA operating rules, the Electronic Funds Transfer Act and
Regulation E. You are required to use a reader device to capture the MICR line (routing
number, account number and check serial number of the source document and key in the
amount.
ARC Eligibility
An item must comply to the following, if the item is to be eligible as an ARC entry:
The check has been received through the US mail or drop box location.
ARC Authorization Requirements
You are to have provided notice to the customer that on receipt of the check, the check will be
used as a source document for an ACH debit transaction.
Retention of source document
You must retain an image, microfilm or other copy of the front and back of the source
document for a period of two years from the Settlement date of the entry.
Formatting Requirements
The following format requirements are required to process ARC entries: