Introduction

Electronic Check (eCheck) Services allow merchants to accept payments directly from a customer’s bank account. This service provides a secure and efficient alternative to paper checks.

To enable eCheck processing, you must:

Select an approved processor.
Complete processor-specific requirements.
Provide setup and configuration details.
Activate eCheck processing for your account.

This article lists approved processors, supported currencies, and the steps to enable eCheck processing.

Quick Reference Checklist

Select an approved processor.
Complete processor-specific requirements.
Provide setup and configuration details.
Activate eCheck processing.

Procedure

Step 1 — Select an Approved Processor

Product / Connection Name	Processor Name in CyberSource Systems	Notes / References
CyberSource In-House eCheck Services	Fnboach (First National Bank of Omaha)	Merchant contracts and underwrites directly with CyberSource. No specific treasury relationship with any bank is required.
Chase Paymentech Solutions	Smartpay	Supports USD and CAD accounts.
Clover Check Acceptance (formerly TeleCheck)	Cardinal	No check-enabled merchant bank account required. Merchant must underwrite with TeleCheck.
CyberSource Automated Clearing House (ACH) Service	1) Wellsfargoach 2) Bofaach	Requires ODFI relationship (see Step 2).

Currency Support

All processors support USD for U.S. bank accounts.
Chase Paymentech Solutions also supports CAD for Canadian bank accounts.

Step 2 — Complete Processor-Specific Requirements

Processor	Requirements
Fnboach (In-House eCheck Product)	• See “Getting Started with the eCheck Service” page. • Contact your Sales Representative to be enabled for this service. • Submit the eCheck application via the Business Center. The CyberSource Risk team reviews and approves before activation.
Smartpay (Chase Paymentech Solutions)	• Acts as both processor and merchant bank. • Requires a check-enabled merchant bank account with Chase. • Option to deposit funds into another bank account.
Cardinal (Clover Check Acceptance)	• No check-enabled merchant bank account required. • Deposits funds directly into your existing bank account.
CyberSource ACH Service	• Requires a treasury relationship with one of these ODFIs: – Bank of America – Wells Fargo

Step 3 — Provide Setup and Configuration Details

Processor	Requirements
Fnboach (In-House eCheck Product)	• See “Getting Started with the eCheck Service” page. • Contact your Sales Representative. • Submit the eCheck application via the Business Center for underwriting approval.
Smartpay (Chase Paymentech Solutions)	• After signing up, you will receive account identification numbers. • Send these, along with the boarding form, to the Client Services team for configuration.
Cardinal (Clover Check Acceptance)	• After signing up, you will receive account identification numbers. • Send these, along with the boarding form, to the Client Services team for configuration.
CyberSource ACH Service — Wellsfargoach / Bofaach	• Contact your bank representative to set up your ACH account.

Step 4 — Activate eCheck Processing

Processor	Requirements
Fnboach (In-House eCheck Product)	• Once approved by underwriting, your eCheck account is enabled automatically. • You will receive a system-generated email with the decision.
Smartpay (Chase Paymentech Solutions)	• Once configured, the Client Services team enables ACH processing.
Cardinal (Clover Check Acceptance)	• Once configured, the Client Services team enables ACH processing.
CyberSource ACH Service — Wellsfargoach / Bofaach	• Your bank representative assists with enabling ACH processing.

Additional Resources

Getting Started with the eCheck Service
Appendix B: Processing Electronic Check Payments in the Business Center User Guide
eCheck Services Guide

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