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
How Payflow ACH Payment Works
Timetable for a Typical ACH Payment
4
26 Payflow ACH Payment Service Guide
Timetable for a Typical ACH Payment
This section presents several example timetables.
Example of a Successful Business-to-Business Debit/Sale Payment
This timetable describes a typical successful Business-to-Business sale/debit payment, in
which a customer pays a company with an ACH payment, and the Payflow ACH Payment
account is configured for three posting days.
Day 1
The customer initiates payment and you submit a payment to PayPal.
PayPal validates the payment format and initiates the customer side of the payment. Payments
are batched at 7 PM for each day that is prior to a banking day (normally Sunday through
Thursday). See “Payment Batch Settlement Time” on page 25.
Day 2
The ODFI submits the payment to the ACH Network operator (Federal Reserve). The
customer bank account is debited. This is the first day of the three posting days.
Day 3
This is a wait day.
Day 4
This is the third day of the three posting days. PayPal initiates the merchant side of the
payment. Payments are batched at the end of each day prior to a banking day and at 7 p.m
(normally Sunday through Thursday).
Day 5
The ODFI submits the payment to the ACH Network operator (Federal Reserve). your bank
account is credited.
Example of a Business-to-Business Sale/Debit Payment With a Customer
Return Within Three Posting Days
This timetable describes a Business-to-Business sale/debit payment, in which a customer pays
a company with an ACH payment, and the Payflow ACH Payment account is configured for
three posting days. The ODFI generates a customer side return (i.e payment is reversed) within
48 hours.
Day 1
The customer initiates payment and you submit a payment to PayPal.
PayPal validates the payment format initiates the customer side of the payment. Payments are
batched at the end of each day prior to a banking day and at 7 p.m (normally Sunday through
Thursday).