eCheck.Net is Authorize.net's electronic check (echeck) solution, which lets customers with US bank accounts use Automated Clearing House (ACH) transactions as a payment option.
Like payment card API requests, eCheck.Net uses the
createTransactionRequest API call, with bank routing and account numbers replacing payment card information. You can also use eCheck.Net as a payment type for your customer payment profiles, whether through the Merchant Interface or the
createCustomerPaymentProfileRequest API call.
Unlike payment card transactions, echeck transactions do not receive immediate authorization from the customer bank. Like paper checks, echeck transactions must clear the customer's bank before funding, and merchants might wait up to seven days after submitting echeck transactions to receive the funds.
According to ACH transaction rules, merchants must use the ACH 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 each ACH type.
|ACH Type||Supported Bank Account Types||Charges||Refunds||Requires MICR||Recurring Charges|