Verification Feature

Since Direct Debits do not have an associated authorization process, allowing you to confirm the availability of funds and hold the purchase amount, there is a higher risk of certain types of fraud. The optional eCheck Verification transaction allows you to submit a Direct Debit account number for comparison to a database containing historical information about the account, as well as the account holder. When you submit an eCheck Verification transaction the information you provide is compared to a negative database to see if the account is associated with activities, such as fraud, over drafts, or other items determined to be risk factors.

You can also initiate an account verification operation as part of an eCheck Sale transaction by setting the <verify> element to true. In this case, the eCheck Sale transaction is conditional upon the verification passing. If the verification fails, the sale is not processed.