2009

Table Of Contents

Payflow ACH Payment Service Guide 23

Summary of Authorization Requirements

Further Reading

z A relationship is defined as either there being a written agreement in place or the customer

has purchased goods or services from the Merchant in the last two years.

TEL Authorization Requirements

The authorization does not have to be provided to the consumer in writing, however as the

authorization is received orally, the merchant must tape record the authorization, or have, at an

earlier date provided written notice that is followed up with an oral authorization. The

following information must be included in the authorization:

z The date on or after which the consumer's account will be debited;

z The amount;

z The customer's name;

z A telephone number that is available to the customer and answered during normal business

hours;

z The date of the customer's oral authorization;

z A statement by the merchant that the authorization obtained will be used to originate an

ACH debit.

TEL Risk Management

Merchants must implement risk management procedures relating to TEL entries:

z Commercially reasonable procedures to verify the identity of the customer;

z Commercially reasonable procedures to verify routing numbers are valid.

TEL Returns

R07 is not an applicable return codes for a TEL transactions.