We have enhanced our electronic check service, eCheck.Net, to include an account validation service. This improvement ensures compliance with the new mandates from NACHA.

This change affects eCheck transactions categorized as 'WEB' or those that are the first transaction in a subscription/recurring payment as part of Automated Recurring Billing (ARB). Before this change, Authorize.net only validated the customer's routing number before accepting the transaction for processing. As of March 18, 2022 (revised), we now also verify the customer's account number along with the routing number for both WEB and Automated Recurring Billing transaction types.

No action is required on your part to accommodate this change, and there are no additional fees. The only impact we foresee is a potential increase in the initial eCheck transaction decline rate due to the new validation. However, these transactions would have been declined after processing and being sent for settlement. Overall, this service helps reduce the number of returned eCheck transactions.