Electronic Check Process Diagram

eCheck.Net "How It Works" Diagram 
 

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, Authorize.Net will post the return to the merchant.

Continue to Step 6

 
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