REST API

Processing eCheck Transactions Using the Virtual Terminal {#echeck-vt}
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Follow these steps to process an eCheck debit transaction using the Virtual Terminal:

1. Log in to the Business Center:
   * Live transactions: <https://businesscenter.cybersource.com>
   * Test transactions: <https://businesscentertest.cybersource.com>
2. On the left navigation panel, click the Virtual Terminal icon.
3. Click One-Time Payment. The One-Time Payment page appears.
4. Under Customer Presence, click Not Present.
5. Under Order Details, in Transaction Type, select Echeck Debit, enter the amount, and enter any Level II values that you collect.
6. Under Merchant Defined Fields, enter merchant-defined values that you collect, if appropriate.
7. Under Level III Fields, enter Level III values that you collect, if appropriate.
8. Under Billing Information, enter information for billing the customer. Check the box if the shipping information is the same, or enter shipping information.
9. Under Payment Information, enter the eCheck account information.
10. 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.
11. When you are finished, click Submit to process the payment.