{"_id":"5c6c238ff7d548003953557c","category":{"_id":"5c6c238ff7d5480039535563","version":"5c6c238ff7d54800395355a0","project":"57336fd5a6a9c40e00e13a0b","__v":0,"sync":{"url":"","isSync":false},"reference":false,"createdAt":"2015-11-03T20:45:01.593Z","from_sync":false,"order":7,"slug":"topics","title":"Guides"},"parentDoc":null,"project":"57336fd5a6a9c40e00e13a0b","user":"560d5913af97231900938124","version":{"_id":"5c6c238ff7d54800395355a0","project":"57336fd5a6a9c40e00e13a0b","__v":1,"forked_from":"5beb278ac442ab0213f009cf","createdAt":"2018-04-23T14:36:48.535Z","releaseDate":"2018-04-23T14:36:48.535Z","categories":["5c6c238ff7d548003953555d","5c6c238ff7d548003953555e","5c6c238ff7d548003953555f","5c6c238ff7d5480039535560","5c6c238ff7d5480039535561","5c6c238ff7d5480039535562","5beb278ac442ab0213f00990","5c6c238ff7d5480039535563","5c3f542c12c4ac004bc51718","5c928dba4aa821001ae4f050"],"is_deprecated":false,"is_hidden":false,"is_beta":false,"is_stable":true,"codename":"Main","version_clean":"8976.0.0-Basics","version":"8976-Basics"},"githubsync":"","__v":0,"updates":[],"next":{"pages":[],"description":""},"createdAt":"2016-01-25T13:22:33.428Z","link_external":false,"link_url":"","sync_unique":"","hidden":false,"api":{"results":{"codes":[]},"settings":"","auth":"required","params":[],"url":""},"isReference":false,"order":2,"body":"ACH (Automated Clearing House), sometimes referred to as electronic check processing, e-Check, or ECP, is an alternative to credit card payments. It is an online payment method where money is electronically withdrawn from the shopper’s bank account and then deposited into the merchant’s own bank account. \n\nACH/ECP transactions are monitored by our built-in fraud prevention capabilities, just like credit card transactions. This payment method is supported for US transactions.\n\n#Benefits\n\n  * Boost your sales by reaching additional shoppers who do not use credit cards or other payment methods.\n  * Eliminate the need for paper checks and instead enable customers to provide their payment info online.\n  * Store your shoppers' account information for easier repeat purchases. \n**Note:** Coming in January, you will have the ability to store multiple ACH accounts for a single shopper. \n  * Enjoy transaction costs that are typically lower than credit card transactions.\n  * Reduce issues with failed payments due to failed or invalid cards, because checking accounts do not have an expiration date, and your shoppers rarely switch banks.\n  * Solution for B2B transactions and other payments for high-cost items that might exceed a credit card limit.\n\n#ACH transaction processing\n\nThese are the main steps involved in processing ACH transactions:\n1. When the transaction is placed, an invoice is created with an initial status of *pending*.\n2. The transaction is approved or rejected by the shopper's bank within approximately 2 business days.\n3. The invoice status is updated to reflect the bank's response. \n\n**Note**: We recommend delivering your product only after you receive the approval.\n\nThe shopper has 60 days to dispute the debit on their account. If this occurs, BlueSnap will remove the funds from your account, and the invoice status will update to *refunded*.\n[block:callout]\n{\n  \"type\": \"success\",\n  \"title\": \"Resolving payment rejections\",\n  \"body\": \"Payments can be rejected for many reasons, including insufficient funds, invalid bank account number, or a closed bank account. To resolve a payment rejection, you can ask the shopper to provide the correct details for their bank account or provide an alternative payment method and resubmit the charge.\"\n}\n[/block]\n#API integrations\n\nACH/ECP transactions are supported in BlueSnap's Payment API and Extended API.\n\nFor the Payment API, see:\n  * [Create ECP Transaction](/v8976-JSON/docs/create-ecp-transaction)\n  * [Retrieve ECP Transaction](/v8976-JSON/docs/retrieve-ecp-transaction)\n\nFor the Extended Payment API, see:\n * [Create Order and Shopper with ACH/ECP](/v8976-Extended/docs/create-shopper-and-order)\n[block:callout]\n{\n  \"type\": \"success\",\n  \"body\": \"**1. Enable the ECP payment method in your account.**\\nTo process ACH/ECP transactions, first enable this payment method in your account. In the BlueSnap Merchant Console, go to **Checkout Page > Payment Methods** and select **Show** in the menu next to the **ECP** payment method. Click **Submit** to save your change.\\n\\n**2. Obtain the shopper's permission to debit their account.**\\nFor each ACH/ECP transaction, you must obtain permission from the shopper to debit their account, for example by showing a checkbox with the following wording on your checkout page: \\n     *\\\"I authorize this Electronic Check (ACH/ECP) transaction and agree to this debit of my account.\\\"*\",\n  \"title\": \"ACH requirements\"\n}\n[/block]\n# Sandbox testing \nYou may use the following bank credentials to test various scenarios. \n\n**Simulate format validation error**\nAccount number: Any number that is fewer than 4 digits or greater than 17 digits\nRouting number: Any number that is not 9 digits\n\n**Simulate declined transaction***\nAccount number: `123456789`\nRouting number: `123456789` \n\n**Simulate approved transaction***\nAccount number: Any 4–17 digit number (except 123456789)\nRouting number: Any 9-digit number (except 123456789)\n\n*After the initial transaction request, the status changes within 15 minutes.","excerpt":"Learn how to process ACH/ECP payments with the BlueSnap APIs.\nFor more information on topics like subscriptions and refunds, visit the [Help & Support](https://support.bluesnap.com/docs/ecp#section-subscriptions) center.","slug":"ach-ecp","type":"basic","title":"ACH/ECP"}

ACH/ECP

Learn how to process ACH/ECP payments with the BlueSnap APIs. For more information on topics like subscriptions and refunds, visit the [Help & Support](https://support.bluesnap.com/docs/ecp#section-subscriptions) center.

ACH (Automated Clearing House), sometimes referred to as electronic check processing, e-Check, or ECP, is an alternative to credit card payments. It is an online payment method where money is electronically withdrawn from the shopper’s bank account and then deposited into the merchant’s own bank account.

ACH/ECP transactions are monitored by our built-in fraud prevention capabilities, just like credit card transactions. This payment method is supported for US transactions.

Benefits

  • Boost your sales by reaching additional shoppers who do not use credit cards or other payment methods.
  • Eliminate the need for paper checks and instead enable customers to provide their payment info online.
  • Store your shoppers' account information for easier repeat purchases.
    Note: Coming in January, you will have the ability to store multiple ACH accounts for a single shopper.
  • Enjoy transaction costs that are typically lower than credit card transactions.
  • Reduce issues with failed payments due to failed or invalid cards, because checking accounts do not have an expiration date, and your shoppers rarely switch banks.
  • Solution for B2B transactions and other payments for high-cost items that might exceed a credit card limit.

ACH transaction processing

These are the main steps involved in processing ACH transactions:

  1. When the transaction is placed, an invoice is created with an initial status of pending.
  2. The transaction is approved or rejected by the shopper's bank within approximately 2 business days.
  3. The invoice status is updated to reflect the bank's response.

Note: We recommend delivering your product only after you receive the approval.

The shopper has 60 days to dispute the debit on their account. If this occurs, BlueSnap will remove the funds from your account, and the invoice status will update to refunded.

Resolving payment rejections

Payments can be rejected for many reasons, including insufficient funds, invalid bank account number, or a closed bank account. To resolve a payment rejection, you can ask the shopper to provide the correct details for their bank account or provide an alternative payment method and resubmit the charge.

API integrations

ACH/ECP transactions are supported in BlueSnap's Payment API and Extended API.

For the Payment API, see:

For the Extended Payment API, see:

ACH requirements

1. Enable the ECP payment method in your account.
To process ACH/ECP transactions, first enable this payment method in your account. In the BlueSnap Merchant Console, go to Checkout Page > Payment Methods and select Show in the menu next to the ECP payment method. Click Submit to save your change.

2. Obtain the shopper's permission to debit their account.
For each ACH/ECP transaction, you must obtain permission from the shopper to debit their account, for example by showing a checkbox with the following wording on your checkout page:
     "I authorize this Electronic Check (ACH/ECP) transaction and agree to this debit of my account."

Sandbox testing

You may use the following bank credentials to test various scenarios.

Simulate format validation error
Account number: Any number that is fewer than 4 digits or greater than 17 digits
Routing number: Any number that is not 9 digits

Simulate declined transaction*
Account number: 123456789
Routing number: 123456789

Simulate approved transaction*
Account number: Any 4–17 digit number (except 123456789)
Routing number: Any 9-digit number (except 123456789)

*After the initial transaction request, the status changes within 15 minutes.