eCheck.Net is Authorize.Net's exclusive electronic check processing solution. eCheck.Net adds Automated Clearinghouse (ACH) transactions as a payment option for customers with US bank accounts.
Like credit card API requests, eCheck uses the
createTransactionRequest API call, with banking information replacing the customer's card information. You can also use eCheck as a payment type for your customer payment profiles, whether through the Merchant Interface or through the
createCustomerPaymentProfileRequest API call.
Unlike credit card transactions, eCheck transactions do not receive an immediate authorization from the customer bank. Like paper checks, eCheck transactions must clear the customer's bank before they are funded, which can take up to seven days.
Under the rules for ACH transactions, merchants must use the eCheck type that matches the account type, the context of the transaction, whether refunds are permitted, and how merchants obtained authorization for the transaction. The table below shows the conditions under which you should use which eCheck type.
|eCheck Type||Supported Bank Account Types||Charges||Refunds||Requires MICR||Recurring Charges|