How it Works - eCheck - Guanranteed / Non-Guaranteed

Credit Card/Check Card/Recurring Billing	eCheck Processing

Step by Step

Step 1 - A customer initiates an electronic check transaction, with authorization to charge their bank account, via Web form or mail order/telephone order.
Once the transaction is submitted, order and payment information is securely transmitted via the Internet to the AMG SecurePay Payment Gateway. The transaction is accepted or rejected based on initial data validation and security criteria defined by the payment gateway.

Step 2 - If accepted, AMG SecurePay formats the transaction information and sends it as an ACH transaction to its bank with the rest of the electronic check transactions received that day.

Step 3 - The bank passes the transaction information to the ACH Network for settlement.
The ACH Network uses the bank account information provided with the transaction to determine the bank that holds the customer’s account (the RDFI).

Step 4 - The ACH Network instructs the RDFI to charge or refund the customer’s account (the customer is the Receiver).

Step 5 - The RDFI passes funds from the customer’s account to the ACH Network. The RDFI also notifies the ACH Network of any returns (in the event that funds for a transaction could not be collected from the customer’s bank account) or chargebacks (in the event that a customer disputes a purchase).
In the event of a returned transaction, AMG SecurePay will post the return to the merchant.

Step 6 - The ACH Network relays the funds for the transaction to the AMG SecurePay's bank.

Step 7 - AMG SecurePay's bank passes any returns to AMG SecurePay.

Step 8 - After the holding period, AMG SecurePay initiates a separate ACH transaction to deposit eCheck funds to the merchant’s bank account.