2009

Payflow ACH Payment Service Guide 19
Summary of Authorization Requirements
Summary of POP Requirements
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z The original payee name is to appear in the Company Name Field of the Company/Batch
header.
z Check serial number is placed in the Check Serial Number field.
z Individual name is optional for the Individual Name Field, but if the field is used, the field
can only be used to either:
z The consumer’s name or; A reference number, identification number or code that you use
to identify a particular transaction. A generic description is not acceptable.
Summary of POP Requirements
The POP (point of purchase) entry format will allow an integration with a point of purchase or
swipe terminal, providing an alternative to accepting consumers' checks as a method of
payment.
The POP SEC allows for a single entry ACH debit transaction for in-person purchases made at
the point of purchase. A source document is required for written authorization and account
information at the point of purchase.
The consumer presents a check or share draft that has not been previously voided or
negotiated. You use a check reading device to capture the MICR information from the check.
The amount is keyed in. The source document is returned to the customer voided.
POP Legal Framework
The POP entry is subject to NACHA operating rules, the Electronic Funds Transfer Act and
Regulation E. The POP entry is considered to be an ACH transaction throughout the
processing of the payment, and does not need to be abide by Check law or the Uniform
Commercial Code.
POP Eligibility
An item must comply to the following, if the item is to be eligible as an POP entry:
z The check or source document has not been previously negotiated.
z The check or share draft has not been previously voided.
z The check or share draft contains a pre-printed serial number.
z The check or share draft is drawn only a consumer account.
z The check or share draft is not a corporate check, third party check, credit card check,
money order or travelers check.