APN Enhancement for the Standard Payment Interface
The Assured Payment Notification system (APN) is a FREE service enhancement to allow merchants greater integration with the payment processing engine. The APN system, once activated by the merchant via the PayByCheck Utilities, enables the merchant to receive HTTPS Requests from the payment processing engine. The HTTPS Request is sent to the merchant's APN URL (a web page containing a script that extracts the HTTPS Request parameters) after the merchant's customer has processed a PayByCheck transaction. The merchant is then able to gather and store transaction data for review and analysis.
Sample scripts and documentation available to all PayByCheck users. Supports HTTPS GET and POST using a standard CGI interface compatible with virtually all scripting languages. Fields supported are: Consumer Name, Amount, Reference Number, Item field, Transaction Status, and Email. Intelligent agent retries sending message for up to 24 hours or until delivery is confirmed by the merchants server (for "server not responding" errors; other errors are sent to ITI support for resolution). APN is controlled directly by the merchant from within the PayByCheck utilities.
Step 1:
A customer comes to your site wanting to buy goods or services and clicks on a payment link.
Step 2:
The customer is presented a secure form in which they enter their check details including ABA/routing number, bank account number, contact information, etc.
Step 3:
The customer is presented with a confirmation page where they can review the entered information and read the required legal information.
From this page the user must decide to either Agree to the transaction or Not Agree which will take them back to the check form to start over.
Step 4:
The check writer's information is sent to our verification/validation databases. Options for this are set in your PayByCheck utilities.
Step 5:
After the information has been processed by PayByCheck, your customers are redirected to one of the following places:
- An Approved page specified by you.
- A Denied page specified by you.
- A referal page specified by you.
- The main PayByCheck website (if you have not specified anything).
Step 6:
Your customer is then immediately sent an email receipt for the transaction or denial message. The receipt will appear to come from you and contains your company name, contact information, amount, date, check number, and a unique reference number.
Step 7:
You are also sent an immediate notification of the transaction. This notice contains the customer's name, amount, a unique reference number, and the status "Approved" or "Declined". This notice will appear to have been sent by your customer so if you wish you can set up an auto responder to send your customer additional information.
Click to find out about our free Assured Payment Notification Service.Step 8:
PayByCheck's processing day ends at midnight Pacific Time. Paper drafts are printed and mailed the following morning. For ECP customers, transactions are sent through the ACH Network for origination the next bank cycle and are settled into your bank account according to your ECP agreement, typically three to five bank days.
Step 9:
Account fees are billed to your statement daily and paid using PayByCheck AutoPay feature.
All transaction history is available real-time from within the PayByCheck Utilities. You can also void approved transactions and approve declined transactions.
Step 1:
A customer comes to your site wanting to buy goods or services and accesses the payment form on your company's website. They enter the payment details into your online form.
Step 2:
Your system then contacts the PayByCheck XML API sending it a "PRE" request that contains the payment details.
The PayByCheck system responds by letting your system know if the information is valid.
Step 3:
Your system can then display a confirmation page to the user to confirm the purchase and finalize the transaction.
Step 4:
After the user has confirmed the purchase your system then sends a "POST" request to the PayByCheck XML API. The PayByCheck system then processes the request and responds letting your system know if the transaction was successful.
Step 5:
Your system can then display an informative transaction summary page to the user letting them know if the transaction was successful.
Step 1:
Customers purchase your goods or services and you collect the transaction details.
Step 2:
You create a file that contains all transaction information needed for PayByCheck to process the payments. The file must be formatted in a specific way.
Step 3:
You then upload the file to PayByCheck using FTP transfer.
Step 4:
PayByCheck then processes your transaction file and creates a response file that is available on the server for you to access.
