PayPal Gateway - 2012 Guide de l'utilisateur télécharger pdf (Page 141)

Gateway Developer Guide and Reference 31 July 2012 141

TeleCheck Electronic Check Processing

TeleCheck Authorization Requirements

Today (insert today’s date), I’d like to confirm that you, (insert first and last name), are

authorizing a payment in the amount of (insert amount) to be processed as an electronic funds

transfer or draft drawn from your account. Do you agree? If your payment is returned unpaid,

you authorize us or our service provider to collect the payment and your state’s return item fee

of (insert state returned item fee) by electronic funds transfer(s) or draft(s) drawn from your

account. Do you agree and authorize the payment?

The merchant should link directly to the TeleCheck-hosted URL provided above. State fees

are updated on a regular basis and linking to a TeleCheck-hosted page will minimize the

number of maintenance updates required. The merchant may choose how you want to display

the state fees. Suggestions include a new pop-up window, a full browser window, or directly

on the checkout page.

NOTE: For an additional fee, TeleCheck can send the written notification of the authorization

and transaction to the consumer on the merchant’s behalf.

Prearranged Payments and Deposits Authorizations (PPD)

Payments are facilitated, not authorized.

Authorization is via paper from consumer to merchant.

PPD Authorization Requirements:

 Must be face-to-face, in writing and signed.

 Must clearly and conspicuously state it terms, such as consumer name, payment amount,

payment timing (if recurring) and bank routing/account information. Must also provide that

authorization may be revoked in the manner specified in the authorization.

 Customer must be provided a copy.

Language Sample for PPD

By providing a check as payment, I authorize you to use information from my check to make a

one-time electronic funds transfer (EFT) or draft from my account, or to process the payment

as a check transaction. When you use information from my check to make an EFT, funds may

be withdrawn from my account as soon as the same day my payment is received, and I will not

receive my check back from my financial institution. The account referenced above is a

(check one):

Consumer account

Business account

If my payment is returned unpaid, I authorize you or your service provider to collect my

payment and my state’s return fee set forth below by EFT(s) or draft(s) from my account. I

understand that I can revoke this authorization by sending written notice to _____ in such time

and manner as to afford ____ a reasonable opportunity to act on it. If this payment is from a

corporate owned account, I make these authorizations as an authorized corporate

representative and agree that the entity will be bound by the NACHA Operating Rules.

Returned Check Fees:

TeleCheck has posted a table of current state returned check fees at

http://www.firstdata.com/support/telecheck_returned_check/returned_check_fees.htm. The

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PayPal Gateway - 2012 Guide de l'utilisateur Page 141

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