ePayment Solutions API Integration

 ePayment is composed of three products: eCheck/ACH, Card, and RDC. As a systems integrator, you may choose to integrate to one or more of these products. ePayment eCheck enables merchants to accept and initiate ACH payments from their customer’s checking and savings accounts using the Automated Clearing House (ACH) system and have those collected payments deposited into the merchant’s bank account. Using ePayment eCheck, merchants can electronically debit their customer’s bank accounts onetime or set up recurring payments or payments based on an agreed upon schedule. Merchants can also send funds to a recipient or designate multiple recipients by debiting their own bank account and crediting the recipients’ bank accounts. Applications which integrate withePayment to use eCheck can initiate both one-time and set up recurring eCheck payments and obtain reporting information concerning the status of a payment or payments.

ePayment credit card processing provides merchants with the ability to accept and process credit and debit card payments. Card present and card not present transactions are both supported.

Applications that integrate with ePayment Solutions to use credit card processing as an API can initiate both onetime and set up recurring card payments and obtain reporting information concerning the status of a payment or payments.

Check 21 frees merchants from physically taking checks to their bank(s) for deposit by capturing the front and rear images of the check and submitting the images and check data electronically. Upon receipt of the electronic check deposits, Check21 clears the scanned checks on behalf of the merchants. Because Check 21 processes physical checks, applications which integrate with ePayment Solutions can only obtain reporting information concerning the status of the checks.

Once payments are cleared and settled, the funds from the deposited ACH, card, or physical checks will be transferred to the merchants’ bank accounts via an Automated Clearing House (ACH) credit. This allows merchants to keep their existing banking relationships while taking advantage of the convenience and benefits of ePayment Solutions.

This section discusses the operations available in ePayment Solutions Web Services APIs and their semantics. The schematic below shows the ePayment Solutions business processes exposed through the Web Services API.