Online Checks FAQ
- What is an online check?
- Can I use online checks for international charges?
- What is a return?
- What happens if a consumer generates a return and attempts to gain access another time?
- How will I be certain of payment for the transaction?
- Can my consumers use an ATM card with online check signup form?
An online check is an electronic transaction that enables the consumer to approve payment from his/her checking account using their bank routing number and account number. The transaction typically takes 2-3 business days to clear the consumer's account through the Automated Clearing House (ACH) system.Back to the top
No, ACH only supports U.S. currency consumers with U.S. checking accounts.Back to the top
When a bank refuses to honor an online check it is returned to CCBill. The account could be closed, invalid, blocked, or have insufficient funds for the transaction. Returns are typically issued between 2 and 10 days after the initial transaction. When a return comes to CCBill we will debit your account the amount of the original transaction and terminate the access to your site for the User Name and Password associated with the transaction.Back to the top
CCBill maintains a negative database that tests for returns. Once we notice that this is occurring it is very unlikely that the consumer will be able to gain access to the site again.Back to the top
It is possible for CCBill to receive notice of a return up to 10 days after the original transaction. It is important to remember that by offering online checks as a payment type, the consumer will have full access to your site from the moment of the original transaction regardless of funds availability.Back to the top
True ATM cards are rare these days, but a card that must only be used in conjunction with a PIN is not allowed as a transaction type on a CCBill form. If the "ATM" card has a MasterCard or VISA® logo on it, it should be useable as both an ATM card and a credit card. These types of cards are allowed but can only be used in their credit card incarnation.Back to the top