PayByCheck Batch File Check Processing uses three types of files (or formats) to accept, process, and report the status of check transactions.

• PayByCheck Batch File
  Contains new check transactions to be processed. This is the file which you will prepare and upload for processing.
• PayByCheck Batch Response File
  Contains the responses from the PayByCheck system and includes transaction reference numbers as well as the approval or denial status of processed transactions.
• PayByCheck Batch Returns File
  Contains records which have been returned or rejected by the ACH Network (applies only to accounts with ECP Service method of settlement).

Each of your input batch files will include:

• One header record: The header record contains information that will be constant for the entire batch such as account id, type of process, number of records, totals, etc.
• One or more detail records: The detail records contain information specific to each check, transaction, or verification query to be processed.
• One trailer record: The trailer record contains information to indicate the end of a file.

Compatible file formats: .CSV (comma delimited) and .crt (caret delimited).

Note: Header and Trailer Records are required in each file

2. Input Files

PayByCheck Batch File

Header Record

.csv File Format:

"id","batch number","process","count","total","toprow","bottomrow","message", "reference"

.crt File Format:

id^batch number^process^count^total^toprow^bottomrow^message^reference

Position	Data Field	Description	Type/Size/Notes
1	id	ITI or PayByCheck account id	alphanumeric, 1-20 characters
2	batch number	Unique batch identifier assigned by client for input files. ITI uses the same identifier in response files. ITI assigns the batch numbers for files of returns	alphanumeric, 3 - 20 characters
3	process	ITI batch service type: paybycheck rebatebycheck rebatebyach rcklockbox clickpaiddone phonetrace checktrace banktrace addresstrace newaccounts	alphanumeric, 1-20 characters
4	count	Total number of detail records in file. Do not include header or trailer records in detail record count.	numeric, 1-10 characters
5	total	Total dollar amount sum of all records in file. Use decimal format. Data is required for files processed for the PayByCheck, RebateByCheck, RebateByACH, RCKLockBox, ClickPaidDone, and CheckTrace services. The field is required to be empty in files processed for the PhoneTrace, BankTrace, and, AddressTrace services.	Data is optional, but the field must be present in each record even if the field is empty! Numeric, decimal format e.g. 0.00, no commas, 1 - 10 characters
6	toprow	The row (Unique Client Identifier/Tag) of the first record in the file	alphanumeric, 1 - 20 characters
7	bottomrow	The row (Unique Client Identifier/Tag) of the last record in the file	alphanumeric, 1-20 characters
8	message	Reserved	Data is optional, but the field must be present in each record even if the field is empty! Field Use Reserved.
9	reference	Reference field for optional client use e.g. notes regarding the file, archive information, etc.	Data is optional, but the field must be present in each record even if the field is empty! Alphanumeric, 1 - 150 characters

Detail Record

.csv File Format:

"row","sec code","settlement date","name","address","city","state","zip", "country","telephone","email address","id","aba","acc","check","amount","currency","payor name", "item","memo"

.crt File Format:

row^sec code^settlement date^name^address^city^state^zip^country^telephone^email address^id^aba^acc^check^amount^currency^payor name^item^memo

Position	Data Field	Description	Type/Size/Notes
1	row	Unique Client Identifier/Tag; must be unique within each file, not gloablly unique	alphanumeric, 1 - 20 characters
2	sec code	ACH Standard Entry Class Code - WEB,TEL,PPD,CCD	alpha, 3 characters
3	settlement date	Data is optional, but the field must be present in each record even if the field is empty! Date to settle / process to the ACH Network mm/dd/yyyy	numeric, 10 characters including "/", optional defaults to today's date
4	name	Name on bank account	alpha, 1 - 50 characters, business or personal
5	address	Address on bank account	alphanumeric, 1 - 50 characters
6	city	City on bank account	alpha, 1 - 50 characters
7	state	State on bank account	alpha, 2 characters
8	zip	Zip Code on bank account	alphanumeric, 1 - 10 characters
9	country	Two-letter ISO country code on check	alpha, 2 characters, defaults to US
10	telephone	Customer telephone number	alphanumeric, 10 characters, no leading 1 or other characters
11	email address	Customer email address	Data is optional, but the field must be present in each record even if the field is empty!; if data present ITI sends consumer email receipt, format user@host.top, > 5 characters, top must be either 2 or 3 characters, max 100 characters
12	id	Drivers' License or SSN/EIN/ITIN	Data is optional, but the field must be present in each record even if the field is empty! Alphanumeric, 1 - 50 characters, drivers's license (DxxxxxxxxxxWA), state id, or ssn
13	aba	Bank Routing Transit Number	numeric, 9 characters **Use ITI Account password in this field instead of numeric data to process a TEST transaction.
14	acc	Bank Account Number	numeric, 5 - 20 characters
15	check	Number of check	numeric, 3 - 6 characters, use actual or "0001" for ACH/ECP
16	amount	Amount in decimal notation	numeric with decimal (e.g. 9.95), no dollar sign, per-transaction limit set in Utilities
17	currency	Currency Type	alpha, 3 characters, optional, defaults to USD
18	payor name	Name of person authorized to sign for bank account	alpha, 1 - 50 characters
19	item	The contents of the item variable are stored with each transaction in the Utilities, included in customer and merchant email notfications for APPROVED transactions, but NOT included in the customer email notifications for DECLINED transactions.	Data is optional, but the field must be present in each record even if the field is empty! Alphanumeric, 1 - 100 characters
20	memo	The contents of the memo variable are printed on the memo line of the paper checks delivered to merchant for settlement of funds (Does not apply to merchants settled with ACH/ECP Service).	Data is optional, but the field must be present in each record even if the field is empty! Alphanumeric, 1 - 100 characters

Trailer Record

.csv File Format:

"End of File"

.crt File Format:

End of File

Position	Data Field	Description	Type/Size/Notes
1	End of File	End of File	alphanumeric, 1-20 characters

3. Output Files

PayByCheck Batch Response File

Header Record

Batch response files are available 24 hours after uploading new files and will be located at ftp.secure.itinternet.net/paybycheck/processed/ and will be named e.g. yourfilename.response.CSV or yourfilename.response.crt.

The format is the same as the PayByCheck Batch Input File Format

Detail Record

.csv File Format:

"row","ref","approval status","reason declined"

.crt File Format:

row^ref^approval status^reason declined

Position	Data Field	Description	Type/Size/Notes
1	row	Unique Client Identifier/Tag	alphanumeric, 1 - 20 characters
2	ref	Unique ITI assigned transaction reference number	numeric, 1 - 20 characters
3	approval status	Approval Status of Transaction: TEST - test transaction status NORMAL - Approved except AVS not used APPROVED - approved through verification NOT APPROVED - denied by verification or blocking INVALID - invalid data	alpha, 1 - 50 characters
4	reason declined	Reason that transaction has been declined for processing: Invalid routing number Invalid amount AVS NCIS	alpha, 1 - 50 characters

Trailer Record

The format is the same as the PayByCheck Batch Input File Trailer Format

PayByCheck Batch Returns File

Header Record

Returns are reported each banking day that the ACH Network has returned any transactions. Files of returns will be located in ftp.secure.itinternet.net/paybycheck/returns/ and will be named with the date that the returns were received e.g. 20090131.returns.CSV.

The format is the same as the PayByCheck Batch Input File Format

Detail Record

.csv File Format:

"ref","reason returned"

.crt File Format:

ref^reason returned

Position	Data Field	Description	Type/Size/Notes
1	row	Unique ITI assigned transaction reference number	numeric, 1 - 20 characters
2	reason returned	Returned Status of Transaction from ACH Network: Insufficient Funds Account Closed Invalid Account Number Account Frozen Customer Advises Not Authorized Item is Ineligible Notice not Provided Signatures Not Genuine Item Altered Authorization Revoked Invalid RDFI No Account Unable To Locate Account Non Transaction Account Payment Stopped Uncollected Returns	alpha, 1 - 50 characters

Trailer Record

The format is the same as the PayByCheck Batch Input File Trailer Format

4. File Transfers Via Secure FTP (FTPS)

Connection

The FTPS address for all batch processes is ftp.secure.itinternet.net using either FTP over SSL standard:

• Explicit SSL on port 21
• Implicit SSL on port 990

The FTPS login and password are the same as the ITI Account ID and password.

Folders

The FTPS directory is divided into folders specific to each ITI service as follows:

• /paybycheck
• /rebatebycheck
• /rebatebyach
• /rcklockbox
• /clickpaiddone
• /phonetrace
• /checktrace
• /banktrace
• /addresstrace
• /newaccounts

Then each of these folders contains another folder:
/processed

The PayByCheck (with ECP) service is an ACH Network product and thus subject to return or rejection by the customer's (receiver's) bank. Therefore the PayByCheck (w/ ECP) FTP service folders will also contain a folder for return files:
/returns

Upload files for processing into the folder named with the service being used. Once the file has been processed, the response file will be found in the service's processed folder.

Example:

1) You upload your file named examplefile.CSV for PayByCheck processing to: ftp.secure.itinternet.net/paybycheck/

2) After twenty four hours, you then download the response file located in: ftp.secure.itinternet.net/paybycheck/processed/

3) The batch response file will be in the same format as the format you used to upload your original file. The batch response and will be named examplefile.response.CSV

4) Returns are reported each banking day that the ACH Network returns any transactions for the client's account. Pick up the return file in: ftp.secure.itinternet.net/paybycheck/returns/

5) The file will be named with the date the returns were received: 20020831.returns.CSV

Note: For secure FTP connection we recommend the free Filezilla.

5. Examples

CSV or comma ( , ) delimited format

Data elements or fields in the CSV file format are delimited by commas ( , ) and each data field should begin and end with quotation marks ( " ). Empty fields are represented by a comma, two quotation marks, and a comma. Following is an example CSV record with one empty field:

"ref" , "" , "name" , "and so on"

PayByCheck Batch File Example

Download a zipped copy of the example file in CSV format here: pbcexamplebatch.csv.zip

And the following text box contains example data in CSV format which you can copy and paste:

"iti9erct","BatchX001","paybycheck","3","129.85","row012","row009","no message","reference" "row012","WEB","4/15/2003","Joe and Judy Customer","123 Anywhere Street","Tacoma","WA","98402","US","253-284-0320","support@itinternet.net","WA987654321","125000105","998997996995","1200","9.95","USD","Joe B. Customer","Invoice Number: 1234567","Payment for invoice" "row045","WEB","4/15/2003","Mary Fine","422 Anywhere Street","Anywhere","PA","45123","US","724-555-1212","mary@testing.com","","125000105","997996995994","110","19.95","USD","Mary Fine","Invoice Number: 1234568","Payment for invoice" "row009","WEB","4/15/2003","Barry Blister","324 Main Street","Tacoma","WA","98402","US","253-555-1212","barry@foo.com","WA23454321","125000105","153604436444","1455","99.95","USD","Barry Blister","Invoice Number: 1234569","Payment for invoice" "End of File"

PayByCheck Batch Response File Example

Download a zipped copy of the example file in CSV format here: pbcexamplebatch.response.csv.zip

And the following text box contains example data in CSV format which you can copy and paste:

"iti9erct","BatchX002","paybycheck","2","1418.75","2505982227","2506017228","","" "2505982227","3234259","APPROVED","277-238" "2506017228","3234260","APPROVED","PPS" "End of File"

PayByCheck Batch Returns File Example

Download a zipped copy of the example file in CSV format here: example.returns.csv.zip

And the following text box contains example data in CSV format which you can copy and paste:

"iti9erct","0","paybycheck","6",,,,, "3163164","Insufficient Funds" "3164325","Invalid Account Number" "3162156","No Account/Unable To Locate Account" "3162351","Account Frozen" "3044846","Customer Advises Not Authorized; Item is Ineligable, Notice not Provided, Signatures Not Genuine, or Item Altered" "3164181","Account Closed" "End of File"

CRT or caret ( ^ ) delimited format

Data elements or fields in the crt file format are delimited by carets ( ^ ). Empty fields are represented by two carets next to each other. Following is an example crt record with one empty field:

ref^^name^and so on

PayByCheck Batch File Example

Download a zipped copy of the example file in CRT format here: pbcexamplebatch.crt.zip

And the following text box contains example data in CRT format which you can copy and paste:

iti9erct^BatchX001^paybycheck^3^129.85^row012^row009^no message^reference row012^WEB^4/15/2003^Joe and Judy Customer^123 Anywhere Street^Tacoma^WA^98402^US^253-284-0320^support@itinternet.net^WA987654321^125000105^998997996995^1200^9.95^USD^Joe B. Customer^Invoice Number: 1234567^Payment for invoice row045^WEB^4/15/2003^Mary Fine^422 Anywhere Street^Anywhere^PA^45123^US^724-555-1212^mary@testing.com^^125000105^997996995994^110^19.95^USD^Mary Fine^Invoice Number: 1234568^Payment for invoice row009^WEB^4/15/2003^Barry Blister^324 Main Street^Tacoma^WA^98402^US^253-555-1212^barry@foo.com^WA23454321^125000105^153604436444^1455^99.95^USD^Barry Blister^Invoice Number: 1234569^Payment for invoice End of File

PayByCheck Batch Response File Example

Download a zipped copy of the example file in crt format here: pbcexamplebatch.response.crt.zip

And the following text box contains example data in CRT format which you can copy and paste:

iti9erct^BatchX002^paybycheck^2^1418.75^2505982227^2506017228^^ 2505982227^3234259^APPROVED^277-238 2506017228^3234260^APPROVED^PPS End of File

PayByCheck Batch Returns File Example

Download a zipped copy of the example file in CRT format here: example.returns.crt.zip

And the following text box contains example data in CRT format which you can copy and paste:

iti9erct^0^paybycheck^6^^^^^ 3163164^Insufficient Funds 3164325^Invalid Account Number 3162156^No Account/Unable To Locate Account 3162351^Account Frozen 3044846^Customer Advises Not Authorized; Item is Ineligable, Notice not Provided, Signatures Not Genuine, or Item Altered 3164181^Account Closed End of File