Recent Revisions to This Document

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

eCheck Processing Limits and Settings

When completing the eCheck application, you may request that a specific monthly and per-transaction limit be considered. However, the eCheck processing limits will ultimately be determined during the underwriting process for your application. The requested amounts should solely be based on what you anticipate processing with eCheck. Once sufficient processing history has been established, a limit increase may be requested by visiting the Support Center at support.cybersource.com. At that time, the Visa Acceptance Solutions Risk Team will review your account history and may approve, modify, or decline the request to increase your processing limits.

IMPORTANT

If you exceed the monthly processing limit, your account will be put on a funding hold and you will need to contact the Support Center to remove the hold and increase your limit, if needed, based upon your account history.

Processing settings include:

Per-Transaction Limit
: maximum dollar amount allowed for a single eCheck transaction.

Monthly Processing Limit
: total dollar amount of charges and refunds allowed per month for eCheck transactions.

Funds Holding Period
: number of days that funds from settled eCheck transactions are held before being deposited to your merchant bank account.

Back to top