eCheck.Net is Authorize.Net's exclusive electronic check processing solution. eCheck.Net enables Web merchants already processing credit card transactions through the Authorize.Net Payment Gateway to offer their customers an additional payment option.
An eCheck transaction is similar to a credit card transaction because it uses the createTransactionRequest function. The difference is that for an eCheck transaction, the paymentType element contains a bankAccount section instead of creditCard. eCheck transactions can also be used as a payment type when charging customer profiles. In this case, the eCheck payment information is used in the createCustomerPaymentProfileRequest method. For a list of the API fields used in when charging customer profiles, see the API Reference section Charging Customer Profiles
The eCheck fields include:
accountNumber- The bank account number, masked.
routingNumber- Bank's routing number.
nameOnAccount- Name of the person who holds the bank account.
bankName-The name of the bank.
echeckType- The type of eCheck transaction, including ARC, BOC, CCD, PPD, TEL, and WEB. These types are explained in the next section.
One other crucial difference between an eCheck and Credit Card payment is that unlike Credit Card payments, eCheck payments are not instantly authorized. The authorization process can take 5 to 7 days.