eCheck.net Operating Procedures and User Guide

Table of Contents

Table of Contents ............…...........2

Introduction......................................... 4

What is eCheck.Net?.........................4

Who is it Available to? .....................4

Applying for eCheck.Net...................5

eCheck.Net Fees and Settings .......5

eCheck.Net Fee Amounts ............... 5

eCheck.Net Processing Settings ... 6

Overview of eCheck.Net Transaction Process.................................................6

Automated Clearing House (ACH) Network................................................7

How an eCheck.Net transaction is processed........................................... 8

General limitations, liabilities, and prohibited activities ........................ 10

Payment Authorization and Authentication for eCheck.Net Transactions..11

Payment Authorization for Recurring Transactions......................................12

Record Retention Requirements..12

Types of eCheck.Net Transactions ............................................................13

Accounts Receivable Conversion (ARC) ................................................13

ARC Restrictions .............................13

ARC Authorization Requirements.................................. 15

Back Office Conversion (BOC) ...........................................................15

BOC Restrictions...........................15

BOC Authorization Requirements ........................................................... 17

Cash Concentration or Disbursement (CCD).......................17

CCD Restrictions ............................ 17

CCD Authorization Requirements.................................. 17

Prearranged Payment and Deposit Entry (PPD)........................................17

PPD Restrictions ............................ 17

PPD Authorization Requirements.................................. 17

Telephone-Initiated Entry (TEL)..................................................18

TEL Restrictions ............................. 18

TEL Authorization Requirements ........................................................... 18

Internet-Initiated Entry (WEB)................................................19

WEB Restrictions ........................... 19

WEB Authorization Requirements ........................................................... 19

Settlement .......................................20 


and more. Please see attachment.

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