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Gateway Developer Guide and Reference 31 July 2012 129

TeleCheck Electronic Check

Processing

This appendix describes the host-based capture version of the TeleCheck Non-Face-To-Face

Check Acceptance (NFTF) services.

TeleCheck NFTF Overview of Services

NFTF offers merchants the convenience of electronic check deposits. When a NFTF

transaction is approved by TeleCheck, the manually entered MICR data from the check is

electronically converted to an ACH debit and is processed through the ACH Network. The

merchant receives funds within two banking days.

NFTF includes TeleCheck Internet Check Acceptance (ICA), Checks By Phone (CBP), and

Prearranged Deposit Services (NFTF PPD). Each of these products requires a separate

Merchant ID also known as a Subscriber ID. See below for more details.

 ICA provides merchants with the capability to authorize and electronically settle checks

presented by customers over the internet. ICA can be single entry or recurring. This is

based on customer's authorization received over the internet.

 CBP authorizes and electronically settles checks presented over the phone through

customer interaction with a merchant call center representative. CBP services are single

entry only. Partial debits and recurring entries are not allowable per NACHA guidelines.

 NFTF prearranged payment and deposit entry (NFTF PPD) may be used for either

recurring or non-recurring debits to a customer's account, when the merchant has provided

the customer with a written authorization, which the customer has signed or similarly

authenticated. Actual payments are facilitated via the internet or via IVR or over the phone.

The application type value must be set to PPD. PPD accounts must establish an end date to

clearly define terms between customer and merchant, but do not have time period caps.

TeleCheck NFTF Processing Overview

NFTF requirements, processing considerations, and guidelines for processing check payments

are described below.

NFTF Requirements

The following requirements must be followed as standard operating procedures to

electronically process a NFTF check payment:

 A TeleCheck Merchant ID is required on all transactions and is unique to each location.

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PayPal Gateway - 2012 Guía de usuario Pagina 129