eChecks Overview

Personify360 provides functionality to process electronic checks. Electronic checks (e-Checks) work similarly to paper checks, but in a purely electronic form. Electronic checks allow any customer with a checking account to purchase products offered without the need of a credit card. The check, once processed and approved, debits the amount directly from the customer’s checking account.

e-Checks functionality does not support multi-currency.

E-Check processing is similar to online credit card processing, minus the settlement process. Unlike credit card receipts, credits (refunds) of e-Check receipts are handled as regular paper checks and not online. Credit card sale transactions are two step process – an authorization followed by settlement. Hence, we authorize a credit card first, before saving order/receipt, so that in case creation of order/receipt fails, we don’t submit the transaction for settlement and void the initial authorization. However, we cannot void e-Check transactions, and hence, the ECP610 batch process identifies such transactions at the Payment Gateway that are missing corresponding receipt in Personify360 and creates an unapplied receipt for the amount and report the same. User/Administrators are responsible for processing the refund for the same.

The FAR_ECHECK_REQ_ANS table stores information about all the e-Check related requests that were communicated to Payment Gateway, giving and subsequent results. This table is designed simply to store information; there is no user interface which would show the information, except for the ECP610 batch process.