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 7
1
Signing Up for Payflow ACH
Payment Service
IMPORTANT: Be sure to read the steps involving account setup even if you are already
enrolled for a Payflow ACH Payment account.
The Payflow ACH Payment Service enables you to process payments through the ACH
network, allowing you to request a credit or debit from a customer’s checking or savings
account at a low transaction cost. You can use existing depository financial institution
relationships to accept ACH payments from customers.
N OTE: Remember that you are responsible for obtaining authorization for an ACH payment
from your customers and for managing customer enrollment, payment actions (for
example, making changes to amounts/dates), and payment responses (for example,
notifying customers for insufficient funds or other returns).
In This Chapter
z “How To Sign Up” on page 7
z “Retrying Return Payments” on page 10
How To Sign Up
Follow these steps to sign up for Payflow ACH Payment:
Step 1 Contact PayPal
Contact your PayPal Sales Representative at the following URL:
http://www.paypal.com/cgi-bin/webscr?cmd=_merchant-outside
Step 2 Submit an application
Complete and submit a Payflow ACH Payment application. You receive confirmation of
approval within two to three weeks.
Step 3 Work with your Account Representative to set your account’s banking
requirements
Upon approval and agreement on Payflow ACH Payment account limits for Credits and
Debit/Sales, you work with your Account Representative to agree on banking requirements.
Step 4 Work with your Account Representative to configure your account’s
payment format
Your account can be configured to support either Business-to-Business or
Business-to-Consumer payment formats.