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
28 Payflow ACH Payment Service Guide
Day 7
The ODFI submits the payment to the ACH Network operator (Federal Reserve). your bank
account is debited for the returned customer payment.
Example of a Successful Business-to-Consumer Credit Payment
This timetable describes a typical successful Business-to-Business credit payment, in which a
merchant credits the customer bank account for returned goods or a company depositing
payroll deposit into employee bank account with an ACH payment, and the Payflow ACH
Payment account is configured for three posting days.
Day 1
You send the payment to PayPal. PayPal validates the payment format, logs the payment and
initiates merchant side of the payment to debit your bank account. Payments are batched at the
end of each day prior to a banking day and at 7 p.m (normally Sunday through Thursday).
Day 2
The ODFI submits the payment to the ACH Network operator (Federal Reserve). Your bank
account is debited. This is the first day of the three posting days before depositing into
customer bank account.
Day 3
This is a wait day.
Day 4
This is the third day of the three posting days. PayPal initiates the customer side of the
payment. The payment is batched at the end of each banking day at 7 p.m.
Day 5
The ODFI submits the payment to the ACH Network operator (Federal Reserve). The
customer bank account is credited.
Example of a Business-to-Consumer Credit Payment With a Customer Side
Return
This timetable describes a typical successful Business-to-Business credit payment, in which a
merchant credits the customer bank account for returned goods or a company depositing
payroll deposit into employee bank account with an ACH payment, and the Payflow ACH
Payment account is configured for three posting days.
Day 1
You send the payment to PayPal. PayPal validates the payment format, logs the payment and
initiates merchant side of the payment to debit your bank account. Payments are batched at the
end of each day prior to a banking day and at 7 p.m (normally Sunday through Thursday).