eCheck Redeposit Transactions

You use this transaction type to manually attempt redeposits of eChecks returned for either Insufficient Funds or Uncollected Funds. You can use this element in either Batch or Online transactions.

Do not use this transaction type if you are enabled for the Auto Redeposit feature. If you are enabled for the Auto Redeposit feature, the system will reject any echeckRedeposit transaction you submit.

eCheck Redeposit Request

You must specify the eCheck Redeposit request using the following format:

<echeckRedeposit id="eCheck Redeposit Id" reportGroup="iQ Report Group" customerId="Customer Id">

  <cnpTxnId>Transaction Id</cnpTxnId>

  <echeck> or <echeckToken>

  <merchantData>

  <customIdentifier>

</echeckredeposit>

If you include the echeck element, the values submitted for accType, accNum, and routingNum children must match those submitted in the original echeckSale transaction.

Example:  Online eCheck Redeposit Request

<cnpOnlineRequest version="12.0" xmlns="http://www.vantivcnp.com/schema" merchantId="81603">

  <authentication>

    <user>User Name</user>

    <password>password</password>

  </authentication>

  <echeckRedeposit reportGroup="001603">

    <cnpTxnId>345454444</cnpTxnId>

    <echeck>

      <accType>Checking</accType>

      <accNum>1099999903</accNum>

      <routingNum>114567895</routingNum>

    </echeck>

    <merchantData>

      <campaign>New Marketing Campaign</campaign>

    </merchantData>

  </echeckRedeposit>

</cnpOnlineRequest>

Example: Batch eCheck Redeposit Request

<cnpRequest version="12.0" xmlns="http://www.vantivcnp.com/schema" numBatchRequests="1">

  <authentication>

    <user>User Name</user>

    <password>Password</password>

  </authentication>

  <batchRequest id="uniqueId" numEcheckRedeposit="4" merchantId="1603">

    <echeckRedeposit reportGroup="001603">

      <cnpTxnId>3456456444</cnpTxnId>

      <merchantdata>

        <affiliate>ABC Marketing</affiliate>

      </merchantdata>

    </echeckRedeposit>

    <echeckRedeposit reportGroup="001603">

      <cnpTxnId>3456456449</cnpTxnId>

      <echeck>

        <accType>Checking</accType>

        <accNum>1099999903</accNum>

        <routingNum>114567895</routingNum>

      </echeck>

      <merchantdata>

        <affiliate>ABC Marketing</affiliate>

      </merchantdata>

    </echeckRedeposit>

    <echeckRedeposit reportGroup="001603">

      <cnpTxnId>3456557123</cnpTxnId>

      <echeck>

        <accType>Savings</accType>

        <accNum>10999999444</accNum>

        <routingNum>114567895</routingNum>

      </echeck>

      <merchantdata>

        <affiliate>ABC Marketing</affiliate>

      </merchantdata>

    </echeckRedeposit>

    <echeckRedeposit reportGroup="001603">

      <cnpTxnId>123456789</cnpTxnId>

    </echeckRedeposit>

  </batchRequest>

</cnpRequest>

eCheck Redeposit Response

The eCheck Redeposit response indicates that we have received your eCheck Redeposit request. This does not indicate when funds will be transferred. The <accountUpdater> element is included only if the account information submitted in the request transaction has changed (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 Sale response has the following structure:

<echeckRedepositResponse id="eCheckRedeposit 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>

</echeckRedepositResponse>

Example:  Batch eCheck Redeposit 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">

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

      <cnpTxnId>84568456</cnpTxnId>

      <response>000</response>

      <responseTime>2017-06-01T10:24:31</responseTime>

      <message>Approved</message>

    </echeckRedepositResponse>

    <echeckRedepositResponse id="AX54325432" reportGroup="RG12">

      <cnpTxnId>84568457</cnpTxnId>

      <response>000</response>

      <responseTime>2017-06-01T10:24:31</responseTime>

      <message>Approved</message>

      <accountUpdater>

        <originalAccountInfo>

          <accType>Checking</accType>

          <accNum>5186005800001012</accNum>

          <routingNum>000010101</routingNum>

          </originalAccountInfo>

          <newAccountInfo>

            <accType>Checking</accType>

            <accNum>5499576040500006</accNum>

            <routingNum>000010102</routingNum>

          </newAccountInfo>

      </accountUpdater>

    </echeckRedepositResponse>

  </batchResponse>

</cnpResponse>