Articles
Only after the Merchant is in receipt of the completed authorization document can they submit...
Can I dispute a chargeback?A merchant does have legal grounds to require payment from a purchaser through other means, but...
Can I refund via eCheck.Net?Yes, you can refund via eCheck.Net. In order for the refund to be successful, please note the...
Can I submit an Auth Only?There is no need to submit Authorization Only for eCheck.Net. There is no way of verifying the...
Do I get a notification of returned items? (NSF, Rejected, etc.)Merchants are notified of returned items via e-mail on the daily eCheck.Net settlement report....
Do I have to receive authorization to charge the checking account?Pursuant to Regulation E, NACHA regulations, and paragraph 12 of the eCheck.Net Merchant...
Does the principal name on the eCheck.Net application have to match the principal on the account?Yes.
How can we tell if we have deposited/transferred funds from a particular eCheck.Net transaction?There is no way to track particular eCheck.Net transactions in the deposits. You can see which...
How do I apply for eCheck.Net?Log into the Merchant Interface (https://account.authorize.net). Under Additional Products on...
How do I cancel?To cancel eCheck.Net, please send an e-mail to eCheckChangeRequests@cybersource.com with a...
How do I find my review failed transactions?If you have transactions that were rejected, such as review failed, the settlement amount...
How do I find returns?To find returns, please take the following steps: Log into your Authorize.Net Merchant...
How do I find the status of my eCheck.Net application?Log into the Merchant Interface (https://account.authorize.net). On the main menu left side...
How do I raise my eCheck.Net processing limits?Send an e-mail to eCheckChangeRequests@cybersource.com stating the requested maximum...
How do I read my eCheck.Net Statement?To determine what batches were included in a deposit click on the Funding Calculation Page link.
How does eCheck.Net work?A customer presents their bank account information for processing, specifically the ABA routing...
How does the approval process work?The eCheck.Net approval process is a manual underwriting process done by our eCheck.Net...
How does the descriptor get set?On the eCheck.Net application that is filled out by the merchant, there is a field that states:...
How is a risk reserve determined?When we receive an eCheck.Net application, it goes through an underwriting process by our...
How is the merchant notified upon approval or decline of an eCheck application?Merchants are notified by email.
How long do I need to keep the authorization to ACH?You can find more information regarding this in the eCheck.Net Operating Procedures and User...
How long does it take for an eCheck.Net to process and be deposited?7 days.
How long does the application process take?It takes approximately three (3) business days to process a completed application. (If the...
How often does eCheck.Net settle?Settlement of eCheck.Net transactions occur daily. eCheck.Net transactions submitted into the...
Is Address Verification Service ( AVS) available for eCheck.Net?AVS is not available on eCheck.Net as it is not real time and is not validated against a database.
Is fraud screen available for eCheck.Net?There is no fraud screen available on eCheck.Net as it is not real time and is not validated...
What does review failed mean?"Review failed" means the transaction was not successfully processed. "Review failed" usually...
What information is needed for an authorization to ACH?You can find more information regarding this in the eCheck.Net Operating Procedures and User...
What is Intra Account Transfer?Intra Account Transfer indicates that funds were transferred to or from the virtual balance (such...
What is a Notice of Change?A Notice of Change is a transaction that is returned by the customer s bank as a notification...
What is a chargeback?A chargeback is initiated by the purchaser through their bank for any erroneous ACH charges...
What is a risk reserve rate?A risk reserve rate is a percentage we hold from each eCheck.Net transaction you run. For...
What is eCheck.Net ?eCheck.Net is an online method of collecting funds from bank accounts electronically.
What is the billing reserve?The billing reserve is a "virtual" account where we hold your fees until billing on the 1st of...
What is the minimum required information needed to process an eCheck.Net?The minimum required information to process an eCheck.Net is: nine-digit ABA routing number,...
What is the risk reserve statement?The risk reserve is a "virtual" account where we hold the risk reserve rate. How long we hold...
When can I ship the goods to the customer?ACH payments are not guaranteed, nor are they processed in real-time. Since it takes 7 business...
When do my eCheck.Net settle?eCheck.Net settlement begins at 8:30 AM Pacific Time.
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