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 3
Contents
Chapter 1 Signing Up for Payflow ACH Payment Service . . . . . . . 7
How To Sign Up . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Retrying Return Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Chapter 2 About ACH Payments . . . . . . . . . . . . . . . . . . . . 11
Benefits of ACH Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
How Does ACH Work?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Differences from Credit Card Payments . . . . .
. . . . . . . . . . . . . . . . . . . . 12
Schedule of Submission for Settlement . . . . . . . . . . .
. . . . . . . . . . . . . . 13
ACH Terminology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Chapter 3 Summary of Authorization Requirements . . . . . . . . . .17
Summary of CCD and PPD Authorization Requirements . . . . . . . . . . . . . . . . . . 17
CCD and PPD Debit Authorization . . . . . . . . . . . . .
. . . . . . . . . . . . . . 17
Format of CCD and PPD Authorization . . . . . . . . . . . . . . . . . . . . . . . . . 17
Maintaining the Authorization Agreement . . . . . . . . . .
. . . . . . . . . . . . . . 18
CCD and PPD Credit Authorizations . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Summary of ARC Requirements . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . 18
ARC Legal Framework. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
ARC Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
ARC Authorizat
ion Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Retention of source document . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Formatting Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Summary of POP Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
POP Legal Framework. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
POP Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
POP Authorization R
equirements . . . . . . . . . . . . . .
. . . . . . . . . . . . . . 20
POP Receipt Requirement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
POP Formatting Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
POP Returns. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Summary of RCK Requirements .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
RCK Legal Framework. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
RCK Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21