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About This Guide

Introduction to the eCheck Service
- Requirements for Using the eCheck Service
- eCheck Transaction Types
- eCheck Fees

Getting Started with the eCheck Service
- eCheck Application
  - Submitting the eCheck Application
  - Completing eCheck Application Fields

Overview of eCheck Transaction Processing
- eCheck Settlement
  - eCheck Returns
    - eCheck Chargebacks
  - eCheck Credits and Refunds
  - eCheck Transaction Statuses During Processing
- eCheck Integrations
- eCheck Risk Reserve
- eCheck Processing Limits and Settings
- eCheck Notice of Change
- Payment Authorization and Authentication for eCheck Transactions
  - eCheck Records Retention Requirements

Managing eCheck Settings in the Business Center
- Accessing eCheck Settings in the Business Center
- Managing Merchant Permissions in the Business Center
  - Creating Roles
  - Creating a User Account and Adding Roles

Processing eCheck Transactions Using the Business Center
- Submitting Transactions Using the Virtual Terminal
  - Configuring the Virtual Terminal to Process eCheck Transactions
  - Processing eCheck Transactions Using the Virtual Terminal
- Submitting Transactions Using Recurring Billing and Token Management Service
  - Creating an eCheck Recurring Subscription
  - Requesting an On-Demand Transaction
- eCheck Transaction Search and Details

Processing eCheck Transactions using the REST API
- Using the API to Process an eCheck Debit Transaction
  - Required Fields for an eCheck Debit Transaction
  - Optional Fields for an eCheck Debit Transaction
  - Example: eCheck Debit Transaction
- Processing Recurring eCheck Debit Transactions Using the API
  - Required Fields for a Recurring eCheck Debit Transaction
  - Example: Recurring eCheck Debit Transaction

eCheck Reports
- eCheck Reporting Fields

eCheck Reconciliation Reporting Case Study
- Day 1
- Day 2
- Day 3
- Day 4
- Day 5
- Day 6
- Day 7
- Day 8

On This Page

REST API

Processing eCheck Transactions Using the Virtual Terminal

Follow these steps to process an eCheck debit transaction using the Virtual Terminal:

Log in to the Business Center:

Live transactions: https://businesscenter.cybersource.com

Test transactions: https://businesscentertest.cybersource.com

On the left navigation panel, click the

Virtual Terminal

icon.

Click

One-Time Payment

. The One-Time Payment page appears.

Under Customer Presence, click

Not Present

.

Under Order Details, in Transaction Type, select

Echeck Debit

, enter the amount, and enter any Level II values that you collect.

Under Merchant Defined Fields, enter merchant-defined values that you collect, if appropriate.

Under Level III Fields, enter Level III values that you collect, if appropriate.

Under Billing Information, enter information for billing the customer. Check the box if the shipping information is the same, or enter shipping information.

Under Payment Information, enter the eCheck account information.

Click the link to read the terms and conditions, and check the box to confirm that you have read and agree to the terms and conditions.

When you are finished, click

Submit

to process the payment.

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