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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

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REST API

Getting Started with the eCheck Service

The eCheck payment service enables merchants to accept electronic check payments using a variety of methods, including mail, telephone, and online orders.

The eCheck service is available to eligible Visa Acceptance Solutions merchants that meet one of these two requirements:

U.S. citizens or residents who are at least 18 years of age and have been issued a Social Security number.

United States or foreign-based corporations that use the eCheck services only for customers using U.S. bank accounts and that hold and maintain a bank account in the United States with a U.S. based financial institution.

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