2009

Summary of Authorization Requirements
Summary of TEL Requirements
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22 Payflow ACH Payment Service Guide
RCK Notice Requirements
The merchant must provide notice to the check writer prior to resubmitting via ACH, of the
intention to submit electronically. The notice must clearly state the terms of the Re-presented
Check Entry policy.
RCK: Retention of Item
The merchant must retain a copy of the front and back of the item for seven years from the
settlement date of the RCK entry. If the check has finally been paid, this must be indicated on
the copy.
60 day return policy applies to RCK.
RCK Formatting Requirements
The following format requirements apply to an RCK transaction:
z “REDEPCHECK” appears in the Company Entry Description Field of the Company/Batch
Header Record.
z Original payee on the face of the check appears within the Company Name Field of the
Company/Batch Header Record.
z Check serial number of the check is placed within the check serial number field of the
entry.
Summary of TEL Requirements
The TEL (Telephone-Initiated Entry) format is used for a single entry debit transaction, when
an oral authorization is recorded for an ACH debit.
Legal Framework
TEL entries are subject to the requirements of NACHA and the Electronic Fund Transfer Act.
TEL Eligibility
TEL entries are used for a single ACH debit where an oral authorization has been received
from the consumer via a telephone. A TEL entry should not be used where a standing
authorization is in place, although the purchase may be transacted via the telephone. A TEL
entry should only be used when the payment meets the following requirements:
z There is an existing relationship between the Merchant and the customer.
z There is not an existing relationship between the Merchant and the customer, but the
customer initiated the telephone call.