{"activeVersionTag":"latest","latestAvailableVersionTag":"latest","collection":{"info":{"_postman_id":"69f5afd1-d25b-475a-a5c6-23af6300a441","name":"ACH","description":"# ACH Transactions\n\nACH transactions are somewhat similar to credit card transactions.  \nIn Enhanced Gateway, you POST your request for an ACH transaction.\n\n## CCD - Corporate Credit or Debit\n\nA prearranged payment and deposit entry is either a standing or single-entry authorization where the funds are transferred to or from a business account.\n\n## PPD - Prearranged Payment and Deposit\n\nA prearranged payment and deposit entry is either a standing or single entry authorization where the funds are transferred to or from a consumer's account.\n\n## WEB - Internet Initiated Entry\n\nAn internet-initiated entry is a method of payment for goods or services made via the internet.\n\n### Sale\n\nA Sale ACH transaction debits a checking account for a specified amount.  \nRemember, when you receive an approval notice for a Sale transaction, it Doesn't Guarantee that the transaction will be cleared. You have to review the daily reports until you see the check is cleared from the customer account.  \nIf you want to send money to a checking account, you can still use this transaction but send a negative value.\n\n### Void\n\nA Void ACH transaction removes a previously performed Sale transaction from your ACH batch.\n\n### Return\n\nA Return ACH transaction reverses a previously performed Sale transaction after your ACH batch is closed.\n\n## Authorization\n\n**PPD is for prearranged payment and deposit entries** on a personal bank account in which the receiver must complete a written authorization form and provide a physical or digital signature, and Digital signatures must comply with the ESign Act.\n\nAdditionally, the authorization must provide the receiver with the method to revoke his authorization by notifying the Originator in the manner prescribed and the time frame in which the revocation of the authorization must be provided.\n\nThe Originator (Merchant) must have the following verbiage (or substantially similar) on the written authorization form:\n\n\\* _\"By signing below, I authorize the Merchant to convert this transaction into an Electronic Funds Transfer transaction or paper draft and to debit this account for the amount as identified above and to the terms stated here. This authorization shall remain in effect until the Merchant receives written notification from me of intent to terminate at such time and in such manner as to afford the Merchant a reasonable opportunity to act. I authorize this plan to continue as long as the payment amount remains unchanged until the amount owed to the Merchant is paid off or unless the plan is terminated earlier by me, as stated above. I understand that all changes, such as payment amount, frequency, and bank account number  \nchange, will require a new ACH Debit Payment Authorization Form to be filled out and submitted to Merchant 15 days before any change is implemented._  \n\\* _If I choose to revoke this authorization, I will do so by contacting the Merchant directly. Processing times may not allow for the revocation of this authorization._  \n\\* _I understand that the Merchant may cancel this payment plan due to NSF (Non-sufficient Funds). If this draft or EFT is returned unpaid, I will be liable to pay an NSF fee of $25.00 (or the amount allowable by law), which may be automatically debited to this bank account via draft or EFT for each NSF.\"_\n\n**CCD is for Corporate Credit or Debit entries on business bank accounts** in which the receiver must complete a written authorization form, contract, or agreement that the Originator and Receiver have both agreed to be bound by the ACH Rules, and the receiver must provide a physical or digital signature. Digital signatures must be compliant with the ESign Act.\n\nAdditionally, the authorization must provide the receiver with the method to revoke his authorization by notifying the Originator in the manner prescribed and the time frame in which the revocation of the authorization must be provided.\n\nThe Originator (Merchant) must have the following verbiage (or substantially similar) listed on the written authorization form, contract, or agreement:\n\n_\"Submission of this transaction assumes an agreement is in place between both parties to allow converting this transaction into an Electronic Funds Transfer transaction or paper draft and to debit this account for the amount of the transaction. Additionally, the agreement further states that if this draft or EFT is returned unpaid, a service fee, as allowable by law, will be charged to this account via draft or EFT. In the event you choose to revoke this authorization, please do so by contacting the Merchant directly. Please note that processing times may not allow for the revocation of this authorization.\"_\n\n**For internet-initiated (WEB)** entries, the receiver must have the following verbiage (or substantially similar) text listed on the authorization page of their site. Additionally, the authorization must provide the receiver with the method to revoke his authorization by notifying the Originator in the manner prescribed and the time frame in which the revocation of the authorization must be provided.\n\n_\"By authorizing this transaction, the customer agrees that the Merchant may convert this transaction into an Electronic Funds Transfer (EFT) transaction or paper draft and to debit this account for the amount of the transaction. Additionally, if this draft or EFT is returned unpaid, a service fee, as allowable by law, will be charged to this account via EFT or draft. In the event you choose to revoke this authorization, please do so by contacting the Merchant directly. Please note that processing times may not allow for the revocation of this authorization.\"_\n\nMerchant or Integrator is required to use commercially reasonable methods to authenticate customer identity before transaction authorization. Possible methods to authenticate  \n• Shared secrets  \n• PIN  \n• Password  \n• Request identifying customer information to verify against outsourced databases.  \n• Ask challenge questions to verify against credit bureau or outsourced databases.  \n• Sending the customer a specific piece of information, either online or offline and then asking the customer to verify or provide that information is a second step in the authentication process.  \nMerchant or Integrator is required to retain the customers' original authorization or copy of the original authorization in its original form.  \nMerchant or Integrator must be able to reproduce Customer authorization upon request. Industry best practice for reproduction is to appear the same way that website appeared and presented to the customer at the website at the time of authorization, including all verbiage and agreement terms provided on the website at the time of 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