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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

eCheck Credits and Refunds

You may issue credits and refunds for eCheck transactions. The following requirements apply:

The original eCheck transaction for which the refund is being issued must have been processed through the Payment Gateway.

eCheck refunds must be submitted with the transaction ID of the original eCheck transaction.

The amount of the refund must be less than or equal to the dollar amount of the original transaction.

The sum amount of multiple refunds submitted against the same original transaction must be less than or equal to the dollar amount of the original transaction.

There must be available funds (funds that are no longer in the holding period) in your eCheck Settlement sub-account to cover the refund. If sufficient funds do not exist in your eCheck Settlement sub-account, the refund transaction will be rejected.

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