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 41
Using the Payflow Pro SDK to Perform ACH Payments
Example ACH Payments
6
"TRXTYPE=S&TENDER=A&ACCT=6355059797&FIRSTNAME=Susan Smith&ACCTTYPE=C&ABA=09
1000019&AUTHTYPE=WEB&AMT=42.00&PARTNER=PayPal&VENDOR=SuperMerchant&USER=Sup
erMerchant&PWD=x1y2z3"
Example Debit/Sale Response
RESULT=0&PNREF=V63D15597698&RESPMSG=Approved
Example WEB Credit Payment
Use TRXTYPE=C and AUTHTYPE=WEB and the ORIGID of the previously submitted
ACH WEB Debit/Sale payment to submit a Credit payment. You must specify the exact
amount of the original Debit/Sale payment or leave the amount unspecified.
"TRXTYPE=C&AUTHTYPE=WEB&PARTNER=PayPal&VENDOR=SuperMerchant&USER=SuperMerch
ant&PWD=x1y2z3&ORIGID=VXYZ01475826"
Example Credit Response
RESULT=0&PNREF=V63D15597698&RESPMSG=Approved
Example Inquiry
Unlike credit card processing, the ACH system does not immediately return payment status.
Use the INQUIRY function to determine the status of a payment. You perform inquiries using
a reference to the original payment—either the PNREF value returned for the original
payment or the CUSTREF value that you specified for the original payment.
The results reflect the customer side of the payment and not the merchant side.
N OTE: The status of any payment does not change more than once per day, so more frequent
inquiries are unnecessary.
Using the PNREF to Perform Inquiry Transactions
Set ORIGID to the PNREF (Transaction ID) value returned for the original payment.
Using the CUSTREF to Perform Inquiry Transactions
Specify the CUSTREF value and, optionally, the STARTTIME and ENDTIME parameters:
IMPORTANT: If there are multiple payments with a particular CUSTREF value, then the
Inquiry transaction returns only the first payment with the specified
CUSTREF. To ensure that an Inquiry accesses the correct payment, you must
use a unique CUSTREF when submitting any payment, including retries.
Example Inquiry
"TRXTYPE=I&ORIGID=V33D00004098&PWD=123password&USER=Admin&"
Example Responses
RESULTRESULT=0&TRANSSTATE=11&CUSTREF=&ORIGRESULT=0&STATUS=R02&RESPMSG=Accou
nt closed