How It Works - Electronic Check Processing Service
This diagram illustrates how real-time, electronic check processing works using the CyberSource Payment Service:
- 'Payer' (customer/bill payer) is prompted to authorize electronic debit, enter bank routing number (ABA#) and account number.
- Merchant's sales system securely transfers order information to CyberSource over the Internet.
- CyberSource forwards bank routing number and account number to processor.
- The routing number and account number are validated, and the integrity of the account's checking history is verified. Processor forwards approve/decline results to CyberSource.
- CyberSource returns approval/decline message to merchant.
- If approved, CyberSource routes check for settlement through a processer to the Automated Clearinghouse System (ACH). Funds are deposited in approximately 1-3 business days.
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