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 31
How Payflow ACH Payment Works
Notifications of Change
4
Payment Cycle With Retries Disabled
Upon submission for settlement, the payment status is P02. After submission of settlement
files the status changes to P03. When an NSF return happens on the consumer bank account,
the status changes to R01. The payment now ends and your bank account is not credited.
Payment Cycle With Retries Enabled
If NSF retries are enabled for your Payflow ACH Payment account, then when a debit entry on
the consumer side is returned due to NSF, the payment is retried up to a maximum of two
times, as summarized in Table 4.1.
Notifications of Change
The ACH network provides Notifications of Change (NOCs)—notification that something
about a bank account has changed. For example, if you submit a payment for which the name
on the bank account has changed, then PayPal receives a NOC that lists the corrected
information. NOC codes are described in “ACH NOC Codes” on page 52.
As part of your Payflow ACH Payment service, PayPal corrects subsequent payments for the
affected bank account using the updated information from the NOC. This means that even if
you submit a new payment using the old information, PayPal submits the payment using the
updated information.
See PayPal Manager online help for a description of the Notifications of Change report.
TABLE 4.1 Retry Cycle
Description of Activities and Status
Status
Code
NSF
Retries
Until the first retry, the status of the payment is P04. P04 0, changing
to 1
Upon submission for settlement, status changes to P03. If there are no
returns, then, after the configured number of posting days from the date of
resubmission, you are credited.
P03 1
If there is once again a return due to NSF, then the payment is retried for a
second time. The status changes to P04.
P04 2
Upon submission for settlement, the status changes to P03. If there are no
returns, then, after the configured number of posting days from the date of
resubmission, you are credited.
P03 2
If there is once again a return due to NSF, then the payment fails and
status changes to R01.
R01 2