This article will guide merchants through understanding the different eCheck types and how to add or remove types.

Understanding eCheck.Net Transaction Types

Authorize.net offers several types of eCheck transactions, below is a summary of each type. For more details about eCheck and the transactions types, please review the eCheck.Net Operating Procedures and User Guide.

Internet-Initiated Entry (WEB)

This transaction type charges a customer's checking or savings account. It can be a one-time or recurring transaction originated via the internet. The payment authorization is obtained from the customer online.

Telephone-Initiated Entry (TEL)

This transaction type is a one-time charge against a customer's checking or savings account. TEL transactions can only be originated when a business relationship already exists between the merchant and the customer or when the customer initiates the telephone call to the merchant. The payment authorization is obtained from the customer via telephone.

Cash Concentration or Disbursement (CCD)

This transaction type charges or refunds a business checking account. CCD transactions, which can be one-time or recurring, are fund transfers to or from a corporate entity.

Prearranged Payment and Deposit Entry (PPD)

This transaction type charges or refunds a customer's checking or savings account. PPD transactions can only be originated when payment and deposit terms are prearranged between the merchant and the customer. A written authorization from the customer is required for one-time transactions, and a standing authorization is required for recurring transactions.

Accounts Receivable Conversion (ARC)

This transaction type is a single-entry debit against a customer's checking account. ARC allows merchants to collect payments received in the mail or left in a drop-box and convert them to an electronic payment later. This type is no longer offered.

Back Office Conversion (BOC)

This transaction type is a one-time charge transaction against a customer's checking account. BOC allows merchants to collect a check written at a point of sale and convert it to an ACH debit during back office processing. This type is no longer offered.

How to add or remove eCheck Transaction types your account accepts?

Follow these steps to add or remove eCheck Transaction Types:

1. Sign in to Merchant Interface.
2. Click Contact Us from the upper right corner of any page.
3. Click Support Cases.
4. Under Support Cases, click General Support.
5. Enter "Add or Remove eCheck types" in the Subject field.
6. Specify the eCheck Transaction Type you want to be added or removed and the reason for the change in the description field.
7. Click Submit.

You will receive a reply when the new eCheck type is added or removed or if further documentation or information is needed.