API Overview

eCheck Merchant Guide
- Recent Revisions to This Document

Introduction to the eCheck Service
- Requirements for Using the eCheck Service
- eCheck Transaction Types

Getting Started with the eCheck Service
- eCheck Application
  - Submitting the eCheck Application
  - Completing eCheck Application Fields
- Boarding Your Merchant Account for Sandbox Testing

Overview of eCheck Transaction Processing
- eCheck Settlement
  - eCheck Returns
  - eCheck Chargebacks
  - eCheck Credits and Refunds
- eCheck Transaction Statuses During Processing
- eCheck Integrations
- eCheck Risk Reserve
- eCheck Processing Limits and Settings
- eCheck Notice of Change
- Payment Authorization and Authentication for eCheck Transactions
- eCheck Records Retention Requirements

Manage eCheck Settings in the Business Center
- Managing Merchant Permissions in the Business Center
  - Creating Roles
  - Creating a User Account and Adding Roles
- Accessing eCheck Settings in the Business Center
  - eCheck Statements
    - eCheck Settlement Account Statements
    - eCheck Reserve Account Statements

Process eCheck Transactions Using the Business Center
- Submitting Transactions Using the Virtual Terminal
  - Configuring the Virtual Terminal to Process eCheck Transactions
  - Processing eCheck Transactions Using the Virtual Terminal
- Submitting Transactions Using Recurring Billing and Token Management Service
  - Creating an eCheck Recurring Subscription
  - Requesting an On-Demand Transaction
- eCheck Transaction Search and Details

Process eCheck Transactions Using the REST API
- Processing an eCheck Debit Transaction Using the REST API
  - Required Fields for an eCheck Debit Transaction
  - Optional Fields for an eCheck Debit Transaction
  - REST Example: eCheck Debit Transaction
- Processing a Recurring eCheck Debit Transaction Using the REST API
  - Required Fields for a Recurring eCheck Debit Transaction
  - REST Example: Recurring eCheck Debit Transaction
- Creating an eCheck Token Using the REST API
  - Required Fields for Creating an eCheck Token
  - REST Example: Creating an eCheck Token
- Creating an eCheck Token and Processing an eCheck Transaction Using the REST API
  - Required Fields for Creating an eCheck Token and Processing an eCheck Transaction
  - Optional Fields for Creating an eCheck Token and Processing an eCheck Transaction
  - REST Example: Creating an eCheck Token and Processing an eCheck Transaction
- Using an eCheck Token to Submit an eCheck Debit Transaction Using the REST API
  - Required Fields for Using an eCheck Token to Submit an eCheck Debit Transaction
  - Optional Fields for Using an eCheck Token to Submit an eCheck Debit Transaction
  - REST Example: Using an eCheck Token to Submit an eCheck Debit Transaction

Accepting eCheck Payments through Unified Checkout, Pay by Link, and Invoicing
- Accepting eCheck Payments through Unified Checkout
- Accepting eCheck Payments through Invoices
- Accepting eCheck Payments through Payment Links

eCheck Reconciliation Reports
- Funding Details Report
  - Fields in the Funding Details Report
- Chargeback Details Report
  - Fields in the Chargeback Details Report
- Deposit Details Report
  - Deposit Details Report Line Items
  - Fields in the Deposit Details Report

eCheck Reconciliation Reporting Case Study
- Day 1
- Day 2
- Day 3
- Day 4
- Day 5
- Day 6
- Day 7
- Day 8

On This Page

Required Fields for Creating an eCheck Token and Processing an eCheck Transaction

clientReferenceInformation.code: Order reference or tracking number.
orderInformation.amountDetails.currency: Set the value to
USD
.
orderInformation.amountDetails.totalAmount: Grand total for the order. This value cannot be negative. You can include a decimal point (.), but no other special characters. Cybersource truncates the amount to the correct number of decimal places.; This field is required if line items are not present
in the downstream service.; IMPORTANT

If line items are present
in the downstream service, this value (if present) takes precedence over the sum of the line items.
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea: Set the value to a valid USPS two-letter state or possession abbreviation.
orderInformation.billTo.country: Set the value to
US
.
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.bank.account.number
paymentInformation.bank.account.type
paymentInformation.bank.routingNumber
paymentInformation.paymentType.name: Set the value to
check
.
processingInformation.actionList: Set the value to
TOKEN_CREATE
.
processingInformation.actionTokenTypes: Indicates the type of Token Management Service (TMS) token to be created in the request. Possible values for this use case:
customer
instrumentIdentifier
paymentInstrument

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