How It Works - Electronic Check Processing Service

This diagram illustrates how real-time, electronic check processing works using the CyberSource Payment Service:

  1. 'Payer' (customer/bill payer) is prompted to authorize electronic debit, enter bank routing number (ABA#) and account number.
  2. Merchant's sales system securely transfers order information to CyberSource over the Internet.
  3. CyberSource forwards bank routing number and account number to processor.
  4. 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.
  5. CyberSource returns approval/decline message to merchant.
  6. 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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