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
Summary of Authorization Requirements
Summary of POP Requirements
3
20 Payflow ACH Payment Service Guide
POP Authorization Requirements
The merchant must obtain authorization of the payment through compliance with NACHA
guidelines and a copy is to be provided to the customer. The authorization is required:
z To be in writing, signed or similarly authenticated by the Merchant.
z To be identifiable as an ACH debit authorization.
z To clearly state the terms.
z To state that the check will not be processed.
The method to revoke authorization does not need to be included.
As the customer can not revoke authorizations, R07 codes can not be received for POP
payments
POP Receipt Requirement
The merchant must provide a receipt that contains the following information:
z The Merchant's Name.
z The Merchant's telephone number.
z The date of the transaction.
z The transaction amount.
z The source document check serial number.
z Some unique number that identifies the location of the transaction.
z Terminal City.
z Terminal State.
POP Formatting Requirements
The following format requirements apply to an POP transaction:
z Individual name is optional. If used then it can include the consumer’s name or a reference
number.
z As the individual name is optionally, an RDFI cannot return a point of purchase entry using
the return codes R03 and R17.
z Check serial number is to be placed in the check serial number field of the POP entry. An
RDFI is required to print the check serial number on the consumer's bank statement.
z A 4-character number or abbreviation is to be used to indicate the Terminal City field and
will be passed in the Terminal City Field. An RDFI is required to print the terminal City on
the consumer's bank statement.
z A 2-character abbreviation for the state in which the electronic terminal is located will be
passed in the Terminal State field. An RDFI is required to print the terminal state on the
consumer's bank statement.