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
Retrying Returned Payments
4
30 Payflow ACH Payment Service Guide
Void
A Void payment cancels a Debit/Sale payment. A Void payment requires the Original Payment
ID of an earlier Debit/Sale payment. You can Void any unsettled payment (status P02 or P04).
You cannot void a Void request.
Prenote
Prenote refers to a Prenotification payment that you can use to verify bank account validity.
Prenotification payments do not transfer any funds. Receiving banks (RDFIs) are not required
to respond to a Prenotification payment. Prenotifications are not settleable payments, however
they can be voided.
Tracking Payment Status
Payflow Pro and Payflow Link accounts can view the status of a payment (submitted,
returned, and so on) on PayPal Manager return reports. Payflow Pro accounts can also view
the status using the STATUS value returned to an Inquiry payment. The status of a payment
does not change more than once a day, so more frequent inquiries are unnecessary.
When PayPal initially receives the payment, assuming the payment is formatted correctly, the
status is set to P02. When the customer part of the payment is submitted to the ACH network,
the status changes to P03 (for a credit, this can take several days). If the payment is returned,
the status changes to an R code, with the number indicating the reason for the return.
Payment status is described fully in “ACH Status Codes” on page 49.
Retrying Returned Payments
A return is a payment that has been returned to the ODFI by the RDFI or by the ACH
Operator. Returns occur for a number of reasons. See “NACHA Return Status Codes” on
page 50. The Status Code of a payment reflects the return status, and appears on the PayPal
Manager Payment Detail page (described on page 48).
While setting up your Payflow ACH Payment account, you specified one of the following
configurations for retries:
z Disable retries for NSF payments (the default setting for Payflow ACH Payment accounts).
z Enable retries for NSF payments, with a maximum of two retries.
If you enabled retries, then you also specified a retry interval of one to seven banking days.
N OTE: For RCK format payments, one retry maximum is performed regardless of this
setting.