eCheck Credit Response

The eCheck Credit message is identical for either type of eCheck Credit request. The <accountUpdater> element is included only if you submit account information in the request transaction for which a NOC exists. In this case the system automatically updates the information sent to the ACH network and includes the change information in the response.

The eCheck Credit response has the following structure:

<echeckCreditResponse id="eCheck Credit Id" reportGroup="iQ Report Group" customerId="Customer Id">

  <cnpTxnId>Transaction Id</cnpTxnId>

  <response>Response Code</response>

  <responseTime>Date and Time in GMT</responseTime>

  <message>Response Message</message>

  <location>Processing Location</location>

  <postDate>Date transaction posted</postDate> (Online Only)

  <accountUpdater>Account Change Info</accountUpdater>

  <tokenResponse> (for Tokenized merchants submitting account data)

  <checkoutId>Unique Id Value</checkoutId>

</echeckCreditResponse>

Example:  eCheck Credit Response

<cnpResponse version="12.0" xmlns="http://www.vantivcnp.com/schema" id="123" response="0" message="Valid Format" cnpSessionId="987654321">

  <batchResponse id="01234567" cnpBatchId="4455667788" merchantId="100">

    <echeckCreditResponse id="AX54321678" reportGroup="RG27" customerId="53">

      <cnpTxnId>84568456</cnpTxnId>

      <response>000</response>

      <responseTime>2017-04-01T10:24:31</responseTime>

      <message>Approved</message>

    </echeckCreditResponse>

  </batchResponse>

</cnpResponse>