Developer's Guide
Table Of Contents
- Content
- Preface
- Introducing the Gateway Checkout Solutions
- Secure Token
- Configuring Hosted Checkout Pages
- Payflow SDK
- Sending a Simple Transaction to the Server
- Submitting Credit Card Transactions
- Obtaining an Internet Merchant Account
- About Credit Card Processing
- Credit Card Features
- Planning Your Gateway Integration
- Core Credit Card Parameters
- Submitting Account Verifications
- Submitting Authorization/Delayed Capture Transactions
- Submitting Balance Inquiry Transactions
- Submitting Card Present (SWIPE) Transactions
- Submitting Credit (Refund) Transactions
- Submitting Inquiry Transactions
- When To Use an Inquiry Transaction
- Required Parameters When Using the PNREF
- Inquiry Transaction Parameter String Using the PNREF
- Required Parameters When Using the CUSTREF
- Inquiry Transaction Parameter String Using the CUSTREF
- Required Parameters When Using the Secure Token
- Inquiry Parameter String Using the Secure Token
- Submitting Partial Authorizations
- Submitting Purchasing Card Transactions
- Submitting Reference Transactions (Tokenization)
- Submitting Sale Transactions
- Submitting Soft Merchant Information
- Submitting Voice Authorization Transactions
- Submitting Void Transactions
- Using Address Verification Service
- Using Card Security Code
- Information for the PayPal Acquirer
- Testing Transactions
- Transaction Responses
- Processors Requiring Additional Transaction Parameters
- American Express Additional Credit Card Parameters
- Elavon Additional Credit Card Parameters
- First Data Merchant Services Nashville, Additional Credit Card Parameters
- First Data Merchant Services North, Additional Credit Card Parameters
- Heartland, Additional Credit Card Parameters
- Litle Additional Credit Card Parameters
- Cielo Payments, Additional Credit Card Parameters
- Paymentech Salem (New Hampshire) Additional Credit Card Parameters for American Express
- PayPal Credit Card Transaction Request Parameters
- SecureNet Additional Credit Card Parameters for American Express
- Vantiv Additional Credit Card Parameters
- WorldPay Additional Credit Card Parameters
- TeleCheck Electronic Check Processing
- Payflow Header Parameters
- Submitting Purchasing Card Level 2 and 3 Transactions
- About Purchasing Cards
- About Program Levels
- About American Express Purchasing Card Transactions
- American Express Purchasing Card Transaction Processing
- Elavon (Formerly Nova) Purchasing Card Transaction Processing
- First Data Merchant Services (FDMS) Nashville Purchasing Card Transaction Processing
- First Data Merchant Services (FDMS) North Purchasing Card Transaction Processing
- First Data Merchant Services South (FDMS) Purchasing Card Transaction Processing
- Global Payments - Central Purchasing Card Transaction Processing
- Global Payments - East Purchasing Card Transaction Processing
- Heartland Purchasing Card Transaction Processing
- Litle Purchasing Card Transaction Processing
- Cielo Payments Purchasing Card Transaction Processing
- Paymentech Salem (New Hampshire) Purchasing Card Transaction Processing
- Paymentech Tampa Level 2 Purchasing Card Transaction Processing
- SecureNet Purchasing Card Transaction Processing
- TSYS Acquiring Solutions Purchasing Card Transaction Processing
- Vantiv Purchasing Card Transaction Processing
- WorldPay Purchasing Cards Transaction Processing
- VERBOSITY: Processor-Specific Transaction Results
- Country Codes
- Codes Used by FDMS South Only
- Additional Processor Information
- Payflow Link Migration
- Payflow Gateway MagTek Parameters
- Payflow Gateway FAQs
TeleCheck Electronic Check Processing
TeleCheck Authorization Requirements
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154 07 January 2014 Gateway Developer Guide and Reference
merchant should link directly to the TeleCheck-hosted URL provided above. State fees are
updated on a regular basis and linking to a TeleCheck-hosted page will minimize the number
of maintenance updates required. The merchant may choose how to display the state fees.
Suggestions include a new pop-up window, a full browser window, or directly on the checkout
page.
Authorization – Sales Decline/Error
Authorization requests can fail for a number of reasons, ranging from missing or invalid fields
to business decisions based on risk assessment. These different scenarios need to be handled
differently by the merchant, and require different legal language to be displayed to the
customer.
Sale Decline Required Language
We are sorry that we cannot accept your check at this time. Our decision is based, in whole or
in part, on information provided to us by TeleCheck. We encourage you to call TeleCheck at 1-
800.366.2425 or write TeleCheck Customer Care at P.O. Box 4513, Houston, TX 77210-4513.
Please provide TeleCheck your driver's license number and the state where it was issued, and
the complete banking numbers printed on the bottom of your check. Under the Fair Credit
Reporting Act, you have the right to a free copy of your information held in TeleCheck's files
within 60 days from today. You may also dispute the accuracy or completeness of any
information in TeleCheck's consumer report. TeleCheck did not make the adverse decision to
not accept your payment item and is unable to explain why this decision was made.
Sale Error Responses
We are unable to process this transaction with the payment information provided. Please use a
different form of payment at this time.
AK
$30-
AL
$30
AR
$25
AZ
$25
CA
$25
CO
$20-
CT
$20-
DE
$40
DC
$25
FL
$25_ƒ
GA
$30^
GU
$20
HI
$30-
IA
$30
ID
$20-
IL
$25-
IN
$20-
KS
$30
KY
$50
LA
$25^
MA
$25
MD
$35
ME
$25
MI
$25
MN
$30_œ
MO
$25
MS
$40
MT
$30
NC
$25
ND
$30
NE
$35
NH
$25
NJ
$30
NM
$30
NV
$25
NY
$20-
OH
$30^^
OK
$25
OR
$25
PA
$30
PR
$10
RI
$25
SC
$30
SD
$40
TN
$30-
TX
$30†~
UT
$20-
VA
$50
VI
$20
VT
$25‡
WA
$30_◊
WI
$25-
WV
$25
WY
$30