PayPal Gateway - 2012 Guide de l'utilisateur télécharger pdf (Page 130)

TeleCheck Electronic Check Processing

TeleCheck NFTF Processing Overview

130 31 July 2012 Gateway Developer Guide and Reference

 Dual ID is required for all transactions. For personal checks, it must be MICR data and

personal check writer identification such as a driver’s license. For company checks, it must

be MICR data and Federal Tax ID. In the event that a company does not have a Federal Tax

ID, the driver’s license can also be used.

 For ICA and NFTF PPD, the merchant must retain the customer’s authorization of the

transaction for a period of 2 years and, for ICA, prompt the customer to print a copy of this

confirmation for their records. The merchant must adhere to all authorization requirements,

data elements, legal verbiage, and check return fee requirements.

 For CBP, the merchant must audio record the customer’s verbal confirmation of the

transaction or provide a written confirmation of the transaction to the customer prior to

settlement. In either case, the confirmation must be live; IVR is not acceptable for

confirmation. If a merchant chooses audio, the merchant must have the technical capability

to retain these recordings for a period of 2 years; else the written confirmation may be

substituted and retained for the same time period. The merchant must adhere to all

authorization requirements; data elements, legal verbiage, and check return fee

requirements.

 Only select US accounts drawn on U.S. banks participating in the ACH Network are

eligible for processing via the ACH Network.

 TeleCheck Trace ID (TTID) is required for all supplemental messages, change, void, and

adjustment transactions.

 Merchant Trace ID is required for all adjustment transactions. This field allows additional

capabilities to be enabled such as Overflow Credits and MIA Duplicate Checking.

 Change and Void transactions are only allowed within the original Sale processing window.

For NFTF, cutoff time is 4:00PM CST (recommend working with 3:30PM CST).

 Adjustment transactions are electronically allowed within 90 days after the Sale

transaction. After the 90 day period, all adjustments must be manually processed.

 A prompt or process must be in place to identify a check as either personal or company.

 Duplicate Checking – TeleCheck has the ability to detect duplicate sale transactions at the

point of sale if sent within a predetermined time limit. Duplicates are identified when a sale

inquiry is received with the same amount, MICR number, and check number matching a

sale inquiry received within the last 2 minutes. If a duplicate is detected it will return an

ineligible response for ACH. The 2nd transaction will also receive an ineligible response

for ACH with the same ACH Transaction Status and Response Code as the original sale

transaction.

 The appropriate Application Type value must be sent to TeleCheck to indicate the type of

NFTF transaction (ICA, CBP, or NFTF PPD).

 In the NFTF technical specification several data element fields and features are described

as “optional.” While these are technically optional, meaning that the product can be

technically implemented with or without them, TeleCheck may require the merchant to

code to one or more of these optional items based on the agreed upon contractual terms.

The merchant may need to account for and enable additional data element fields and

product features in their system(s) and in communications to TeleCheck’s Authorization

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PayPal Gateway - 2012 Guide de l'utilisateur Page 130

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