eCheck - How can I get started using Electronic Check Processing services?
000002098
3693
03/09/2026 15:16 PM
1.0
Introduction
Note: If you are interested in using our in-house eCheck services, please speak to your Account Manager/Reseller to ensure pricing is set up prior to going through the underwriting/application process
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
Other Related Definitions:
- Electronic Check Processing (ECP) is a payment type that involves transferring funds between bank accounts, abiding by National Automated Clearinghouse Association (NACHA) rules/standards.
- An Originating Depository Financial Institution (ODFI) is typically a bank or other financial institution that processes and submits an electronic check (eCheck or ACH) payment to the Automated Clearing House (ACH) network on behalf of its client.
Was this article helpful?
Articles Recommended for You