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Can't Accept Credit Cards? Yes you can! Click the link below to find out more about our merchant accounts for non-US and high risk merchants! Read More...

Merchant Accounts

eCheck.net

Authorize.Net offers exclusive electronic check payment solution called eCheck.Net. The service allows merchants to post charges and refund transactions directly to a customer's bank account from their website or Merchant Interface. For merchants already processing credit card transactions using Authorize.Net, using eCheck.Net is easy. Authorize.Net provides combined transaction management, reporting, and customer support for merchants processing and accepting credit cards and bank accounts.


To apply for eCheck.Net in an existing Authorize.Net account, please take the following steps:

1) Log into the Merchant Interface at https://account.authorize.net

2) Under Additional Products on the main page, click eCheck.Net.

Here you will see two eCheck.Net applications. Choose the one that is suitable for your business, download the application, and follow the instructions on the Fax Cover and Checklist.

We suggest reviewing the eCheck.Net user guide to get a better understanding of how eCheck.Net works. You can find the user guide at the following URL: http://www.authorize.net/files/echecknetuserguide.pdf

When an eCheck.Net transaction has been submitted to Authorize.Net, we are only able to verify that the routing number is a valid routing number. At that time, it goes into the current batch of Unsettled Transactions in your Authorize.Net account. eCheck.Net transactions are settled on weekday mornings separate from your credit card transactions. Once an eCheck.Net transaction has been "settled," the account information is submitted to the customer's bank as a request for funds, much like depositing a paper check.

There is a 7-10 day waiting period from when you settle an eCheck.Net batch until we provide funding for it. This gives time for the customer's bank to process the request, and let us know if there were sufficient funds and all the account information sent to the bank were correct. After this time frame, we will deposit the funds, minus any fees, into your checking account that we have on file in your Merchant Interface.


eCheck.Net funding process includes the following steps:

1. Proceeds for a batch of eCheck.Net transactions are collected and deposited into a settlement sub-account to manage your eCheck.Net settlement funds.

2. From these batch settlement funds, Authorize.Net assesses all applicable fees for your eCheck.Net transactions including: per-transaction fees, discount fees, returned item or chargeback fees. These fees are then placed into your Billing Reserve sub-account.

3. Authorize.Net also assesses risk reserve withholdings, if applicable, from your batch settlement funds and places them in your Reserve sub-account. For more information about the Risk Reserve, see the section in the http://www.authorize.net/files/echecknetuserguide.pdf document titled Reserves.

4. After the funds holding period established for your eCheck.Net account, Authorize.Net initiates an ACH transaction to transfer the remaining proceeds from the batch to your merchant bank account.

5. At monthly billing, Authorize.Net looks at your Billing Reserve sub-account balance and transfers the amount needed to cover your billing balance to your Billing sub-account. If your Billing Reserve sub-account balance is less than your billing balance, Authorize.Net initiates an ACH transaction to charge your merchant bank account for the difference.

6. At the appropriate time, Authorize.Net will transfer funds or a portion of funds held in your risk reserve to your merchant bank account.

For additional information with Settlements and Funding, please review the eCheck.Net Procedures and Users Guide: http://www.authorize.net/files/echecknetuserguide.pdf. Also, there is specific information pertaining to your own Authorize.Net Gateway account located on the Merchant Profile. Login to your account at the following URL: https://account.authorize.net.

To debit a checking account directly (once enrolled):

1. Login to your Merchant Interface at https://account.authorize.net
2. Click Virtual Terminal in the main left side menu.
3. Select Debit a Checking Account.
4. Enter the fields required for a transaction indicated by an asterisk *.
5. Click Submit



If you would like to cancel your Authorize.Net eCheck.Net service, you need to email your Authorize.Net Gateway ID to echeckchangerequests@cybersource.com with a cancellation request.

The Authorize.Net Gateway ID can be found in your account by taking the following steps:

1. Log into https://account.authorize.net.
2. Click on Account.
3. Click on Merchant profile, your Gateway ID will be located underneath your Business Information.

Please note that closing your eCheck.Net services will not affect any credit card gateway services you might be using through Authorize.Net. you.

Click to view our eCheck FAQ