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U.S. Bank Europe DAC. Registered in Ireland – Number 418442..  Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Most popular solutions

Additional solutions

Fusebox integration & options

Optional platform features

Documentation

North America

Europe

Regions

Electronic Checks Service (ECS) supports two types of check processing:
 
 - ECS Paper Check (Check Present)
 - ACH ECheck (Check Not Present)
 - This check processing type is only available in the US region.
 - This check processing type supports the Conversion with Verfication and the Conversion Only service levels.

## ECS Paper Check 

 In order to process ECS Paper Check, a check reader device is required to electronically read and capture the MICR check data and image.

## ACH ECheck

 When a terminal is set up for ACH ECheck processing:

 - The terminal's Region must be set to *United States*.
 - The Service Level of the terminal must be set to *Conversion with Verification*  or *Conversion Only*.
 In order to accept ACH ECheck, you must capture and pass the hand-keyed check data during the initial processing which includes :

 - ABA Routing Number (`ssl_aba_number`)
 - Full Account Number (`ssl_bank_account_number`)
 - Account Type (`ssl_bank_account_type`)
 - Agreement Indicator (`ssl_agree`)

 :::::notice{note}

 - The routing number used for the demo environment is 490000018. 
 - The account number can be numeric up to 16 digits. 

 :::::

 The following transactions support ACH ECheck processing:

 - Purchase (`ecspurchase`)
 - Void (`ecsvoid`)
 - Add Installment Payment (`ecsaddinstall`)
 - Delete Installment Payment (`ecsdeleteinstall`)
 - Submit Installment Payment (`ecsinstallsale`)
 - Update Installment Payment (`ecsupdateinstall`)
 - Add Recurring Payment (`ecsaddrecurring`)
 - Delete Recurring Payment (`ecsdeleterecurring`)
 - Submit Recurring Payment (`ecsrecurringsale`)
 - Update Recurring Payment (`ecsupdaterecurring`)

 ### Default ACH Type

 Converge sets the default ACH type based on the bank account type, entry mode, and market segment.

 | ACH Type | Account Type | Entry Mode | Market Segment |
 | -------- | ------------ | ---------- | -------------- |
 | CCD | Business | User Interface or Integration | MOTO or eCommerce |
 | TEL | Personal | User Interface | MOTO or eCommerce |
 | WEB | Personal | Integration | MOTO or eCommerce |
 
 Optionally, the integration can override the default ACH Type by specifying one of these values in the `ssl_ecs_product_code` parameter:

 | ACH Type | Description |
 |--------|-------------------------------------|
 | WEB | Web-based Check Processing An ACH ECheck processing option for either reoccurring or single internet-initiated entry processed based on a Customer’s input of account information at a payment application website. |
 | TEL | Telephone-based Check Processing An ACH ECheck processing option for either reoccurring or single entry in which an electronic payment Item is created based on a Customer’s oral authorization captured via the telephone. |
 | PPD | Pre-arrange Payment and Deposit An ACH ECheck processing option for either a reoccurring or single prearranged payment entry to a Customer’s account pursuant to a written authorization that is obtained from the Customer. |
 | CCD | Corporate Credit or Debit An ACH-ECheck processing option in which a debit entry is initiated by an organization to another organization. |

### Best Practices

#### Authorization Information

 Make sure the integrated application meets the following:
 - Amount of transaction
 - The effective date of transaction
 - The cardholder’s account number
 - The cardholders financial institution routing number
 - Revocation language
 - Clear and expressed authorization language

 **Example 1:**

 By Clicking the “I Agree” box below, you authorize (Merchant Name) to use information from your check to initiate a one-time fund transfer from your account or to process the payment as a check transaction or bank drawn draft from your account for the amount of (total amount here). If you payment is returned due to insufficient funds, you authorize us to make a one-time electronic funds transfer or to use a bank draft drawn from your account to collect a fee as allowed by state law.

 **Example 2:**

 I authorize (Merchant Name) to use information above to initiate an electronic fund transfer from my account or to process the payment as a check transaction or bank drawn draft from my account for the amount of (total amount here). If my payment is returned due to insufficient funds, I authorize (Merchant Name) to make a one- time electronic funds transfer or to use a bank draft drawn from my account to collect a fee as allowed by state law.

 **Example 3:**

 I authorize (Merchant Name) to use information above to initiate an electronic fund transfer from my bank account with account number (Masked Account Number) and routing number of (Masked Routing Number) or to process the payment as a check transaction or bank drawn draft from my account for the amount of (total amount here). If my payment is returned due to insufficient funds, I authorize (Merchant Name) to make a one-time electronic funds transfer or to use a bank draft drawn from my account to collect a fee as allowed by state law.

#### Authorization Retention

 Retain a copy of the authorization to the customer for all agreement electronically or by paper two years after the termination or revocation of authorization and be prepared to provide records upon request to demonstrate proof of WEB entry, provide details of transaction to show what was exchanged.

#### Minimize Potential Fraudulent ACH Transactions

 Use robust authentication methods to verify identity of Cardholder before accepting transactions. Customers with an established business relationship with the Cardholder, whether established online, in person, over the telephone, or by some method, can usually authenticate using shared secrets, such a PIN, password or previous transaction history. Example: checking information against databases, ask a challenge question, sending a specific piece of information, either online or offline, and asking to verify that information as a second step.

 TEL Transactions may only be initiated when there is an existing relationship between Customer and Cardholder or when the Cardholder initiated the call.

#### Solicitations

 Merchants are prohibited from making direct payments on behalf of their Cardholders.

Electronic check transactions overview

Alliance Offers

Data as a Service

Invitation to Apply

Accounts

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Incoming Webhooks

Instant Payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Converge Overview

Getting Started

Transaction Types

Credit Card Transactions Overview

Sale - ccsale

Auth only - ccauthonly

Auth Only Increment - ccauthonly

Verification - ccverify

Balance inquiry - ccbalinquiry

Return - ccreturn

Void - ccvoid

Completion - cccomplete

Delete - ccdelete

Update tip - ccupdatetip

Signature - ccsignature

Add recurring - ccaddrecurring

Update recurring - ccupdaterecurring

Delete recurring - ccdeleterecurring

Submit recurring payment - ccrecurringsale

Add installment - ccaddinstall

Update installment - ccupdateinstall

Delete installment - ccdeleteinstall

Submit installment payment - ccinstallsale

Credit card force - ccforce

Credit Card Credit - cccredit

Merchant Hosted Card On File

Debit Card Transactions

Debit Card Transactions Overview

Purchase - dbpurchase

Return - dbreturn

Auth Only - dbauthonly

Auth only Increment - dbauthonly

Complete - dbcomplete

Reverse - dbreverse

Debit - dbvoid

Delete - dbdelete

Inquiry - dbbainquiry

PINless bill pay - pldbillpay

Pinless debit purchase - pldpurchase

BIN Lookup - binlookup

Straight Send

Cash Tender Transactions

Cash Tender Transactions Overview

Sale - cashsale

Credit - cashcredit

EMV Credit/Debit Card Transactions

EMV card transactions overview

Sale - emvchipsale

Auth Only - emvchipauthonly

Swipe sale - emvswipesale

Swipe auth only - emvswipeauthonly

Card update - emvchipupdatetxn

Reversal - emvreverse

Key exchange - emvkeyexchange

Legacy key exchange - caddbkeyexchange

Interac Refunds

Return - emvchipreturn

EMV DCC check - emvdcccheck

EBT Transactions

EBT transactions overview

Food stamp benefits

Purchase - fspurchase

Return - fsreturn

Inquiry - fsbainquiry

Force purchase - fsforcepurchase

Force return - fsforcereturn

Cash benefits

Purchase - cbpurchase

Inquiry - cbbainquiry

Gift Card Transactions

Gift Card Transactions Overview

Activation - egcactivation

Sale or Redemption - egcsale

Refund - egccardrefund

Replenishment or Reload - egcreload

Balance inquiry - egcbalinquiry