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 5
Contents
Example POP Debit/Sale Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Example ARC Debit/Sale Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Example RCK Debit/Sale Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Example WEB Debit/Sale Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Example WEB Credit Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Example Inquiry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Example Void . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Example Prenote Payment . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . 42
Logging Payment Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Chapter 7 Testing ACH Payments Using the Payflow SDK . . . . . . .45
Testing ACH Payments — General Information . . . . . . . . . . . . . . . . . . . . . . . 45
Test Server. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45
T
est ABA Routing Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45
Test Bank Account Numbers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45
Simulating a Successful Settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Simulating Returns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Simu
lating Returns Using the Payment Amount. . .
. . . . . . . . . . . . . . . . . . 46
Alternative: Simulating Returns Using the Bank
Account Number . . . . . . . . . . . 46
Simulating NSF Retries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
Chapter 8 Responses to ACH Payment Requests . . . . . . . . . . .49
ACH Status Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
Payflow Status Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
NACHA Return Status Codes . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . 50
ACH NOC Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52
Payment Re
sponses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53
PNREF Value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54
RESULT Codes and RESPMSG Values . . . . . . . . . . . . . . . . . . . . . . . . . . . 54
RESULT Values for Transaction Declines or Errors . . . . . . . . . . . . . . . . . . . 55
RESULT Values for Communications Errors . . . . . . . . . . . . . . . . . . . . . . 60
Index. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .63