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 21
Summary of Authorization Requirements
Summary of RCK Requirements
3
POP Returns
R03, R17, and R07 are not applicable return codes for a POP transaction. A merchant will
need to develop procedures to handle POP returns, as the consumer’s name has not been
captured.
Returns for NSF can be retried up to two more times.
Summary of RCK Requirements
The RCK (Re-Presented Check Entry) format is used to represent a returned check, through
the generation of a single entry ACH debit. The RCK SEC allows for a single entry ACH debit
transaction to re-present a paper check after the paper check has been returned for either
insufficient or uncollected funds.
RCK Legal Framework
The RCK entry is subject to NACHA operating rules, the Uniform Commercial Code and
Federal Reserve Regulation CC. The RCK entry is not subject to Electronic Funds Transfer
Act or Regulation E.
RCK Eligibility
An item must comply to the following, if the item is to be eligible as an RCK entry:
z Be an item within the meaning of the Revised Article 4 of the Uniform Commercial Code.
z Be a negotiable demand draft drawn on or payable through or at a participating DFI. This
does not include a Federal Reserve Bank or a Federal Home Loan Bank.
z Contains a pre-printed serial number.
z Be in an amount up to and including $2,500.
z To enforce the amount limit a decline error message will be returned to the merchant if the
amount is exceeded. The error message will read, “RCK limit has been exceeded.”
z Indicate on the document that the item has been returned for insufficient or uncollected
funds.
z Be dated less than 180 days from the date the entry is transmitted to the RDFI.
z Be drawn on a consumer account.
z The item must have been presented no more than twice in paper form; as well as no more
than once in paper form if an RCK entry is to be retried once. No more than one retry is
allowed.
z For NSF Retry logic, RCK transactions can only be retried once.
z Only the face amount of the item can be submitted.