2009

Signing Up for Payflow ACH Payment Service
How To Sign Up
1
8 Payflow ACH Payment Service Guide
N OTE: To support both payment formats, you must register for a separate Payflow ACH
Payment account for each format.
Business-to-Business Payment Format Account
Business-to-Business format accounts support payments for which the target bank account
belongs to a business. These Cash Concentration or Disbursement (CCD) payments are
authorized in a paper transaction with offline authorization. Businesses can dispute that they
authorized a CCD payment for 48 hours. Business-to-Business format is also known as B2B.
Business-to-Consumer Payment Format Account
Business-to-Consumer format accounts support payments for which the target bank account
belongs to a consumer. Consumers can dispute that they authorized a payment (resulting in a
return) for up to 60 days. Business-to-Consumer format is also known as B2C.
Business-to-Consumer format accounts allow the following payment types:
Paper check payment types.
z ARC: Accounts Receivable Entry — Convert a single check received by US mail or by
drop-box into an electronic Debit/Sale. Because you must obtain the ABA routing number,
account number, and check serial number from the check using a check reader device, you
can submit ARC payments only using the Payflow Pro SDK and not from PayPal Manager.
See “Summary of ARC Requirements” on page 18 for other requirements.
z POP: Point-of-Purchase Entry — Single-entry Debit/Sale for purchase made in person at
the point-of-purchase. Because you must obtain the ABA routing number, account number,
and check serial number from the check using a check reader device, you can submit POP
payments only using the Payflow Pro SDK and not from PayPal Manager. See “Summary
of POP Requirements” on page 19 for other requirements.
z RCK: Re-Presented Check Entry — Re-present a returned check into an electronic debit.
RCK payments have a payment limit of $2500 and can be retried only once. See “Summary
of RCK Requirements” on page 21 for other requirements.
Electronic check payment types.
z TEL: Telephone-Initiated Entry — Single-entry Debit/Sale with verbal telephone
authorization by the consumer. See “Summary of TEL Requirements” on page 22 for other
requirements.
z WEB: Internet-Initiated entry — Single-entry Debit/Sale with authorization by the
consumer over the Internet. Additionally, you can perform referenced credits for the same
amount as the original Debit/Sale amount. In accordance with NACHA regulations, you
must specify that authorization for payment was received through the Internet. This option
is described in Table 5.1, “Manual ACH Payments page fields” on page 33.
Other payment type.
z PPD: Prearranged Payment and Deposit Entry (PPD) payments. Use PPD when the
payment is:
– An independent credit.