Submit a Bank Account Refund

Select this option to return funds to a customer’s bank account as a refund for a previously entered, settled transaction. Transactions of this type can only be submitted if your account is enabled for eCheck.Net®, and require the transaction ID of the original transaction, ABA routing number, bank account number, bank account type, name on account, eCheck.Net transaction type, and an amount.

You can also submit a quick refund for an original settled transaction from the Transaction Detail page. You can view this page by searching for a transaction on the Transaction Search page and clicking on the appropriate Transaction ID from the Transaction Search Results page. For more information on submitting a quick refund, please see the Refund a Transaction topic.

Note: The fields available on this page depend on the Virtual Terminal settings configured for your payment gateway account.

Refunds cannot be submitted for voided, declined, or errored transactions.

Step 1: Select a Payment Method

Select Refund a Bank Account from the list of options

Note: Charge a Credit Card is the default Payment Method.

Step 2: Enter the Payment/Authorization Information

Enter the customer’s bank account information and the amount of the refund.

Original Transaction ID—The transaction ID of an original transaction associated with a refund, return, chargeback, or notice of change.
ABA Routing Number—ABA Routing Number—The ABA Routing Number is a nine-digit number that identifies the financial institution associated with a bank account. This number is located at the bottom left corner of a check.
Account Number— The account number associated with a savings or checking account at a financial institution. The checking account number is located at the bottom of a check.
Bank Name—The name of the bank or financial institution where the customer's bank account is located.
Name on Bank Account—The full name of the person or business associated with the bank account.
Amount—The total amount charged or refunded to the customer’s credit card or bank account.
Bank Account Type—The type of bank account associated with the account number: Checking, Business Checking, or Savings.
eCheck.Net Type—The type of eCheck.Net transaction. This might be automatically selected, depending on the transaction type (charge or refund) and the bank account type used for the transaction. For example, charge and refund transactions to a business checking account will always be CCD. For a list of possible values, see the topic eCheck.Net Type.

Note: For data security, the customer's ABA routing number and account number are partially masked in the Merchant Interface as XXXX2345 (only eight digits are displayed; the first four are masked with Xs, the last four are visible). For refunds, you can enter only the unmasked numbers without the Xs, for example, 2345; OR the entire number as provided to you directly by the customer.

Step 3: Enter the Order Information

If desired, enter specific order information associated with the transaction.

Invoice Number—The merchant-assigned invoice number associated with the transaction.
Description—A description of the transaction or order.

Step 4: Enter the Customer Billing Information

If desired, enter the customer’s billing information. Fields in this section include: Customer ID, First Name, Last Name, Company, Address, City, State/Province, ZIP Code, Country, Phone Number, Fax Number, and Email Address.

Step 5: Enter the Customer Shipping Information

If desired, enter the customer’s shipping information. Fields in this section include: First Name, Last Name, Company, Address, City, State/Province, ZIP Code, Country, and Phone Number.

Note: If the shipping information is the same as the customer billing information, click the check box labeled Same as information entered in Billing Information.

Step 6: Enter any Additional Information

Enter the tax to be submitted with the transaction. If tax is not applicable, enter a zero (0).

Step 7: Click Submit to process the transaction or click Reset to clear the fields and start over.

Once the transaction has been submitted, the Transaction Confirmation page opens, listing the transaction ID and results of the transaction. From this page you can view a printable receipt of the transaction or return to the Virtual Terminal to enter a new transaction.