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The SpeedCHEX Electronic Gateway |
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The SpeedCHEX Electronic Gateway provides merchants with the ability to establish secure automated communications between an Internet aware software application and the SpeedCHEX check processing system.
Within the gateway, merchants may access the following services :
- Express Authorization
- Express Verify
- Batch Processing
- Transaction Status Tracking
- Simple Customer Interface
Express Authorization is a tool designed for merchants who want to electronically submit individual, fully-formed check transactions and receive an immediate authorization status indicating whether the transaction is approved or rejected.
Merchants who want to use Express Authorization must be responsible for collecting and submitting all data associated with an electronic check transaction. Please see the table titled Electronic Check Transaction Packet Format for a list of all required data fields.
The concept behind the Express Authorization process is fairly simple and should not take very long to implement.
The following list shows the major steps involved in this process:
| Step 1 |
Data Gathering - Merchants are responsible for collecting and submitting all data associated with a fully-formed electronic check transaction. |
| Step 2 |
Transaction Packet Submission – The merchant’s software application uses the HTTPS protocol to submit an electronic check transaction packet over the Internet to a secure URL located on the Electronic Gateway. |
| Step 3 |
Transaction Packet Validation – The Electronic Gateway parses the transaction packet for missing data, invalid field values, security violations, etc. |
| Step 4 |
Customer Address Verification (optional) – For merchants who have activated this feature through their sales rep, will perform address verification on the customer data. |
| Step 5 |
Authorization Status Notification – The Electronic Gateway will return an “Authorization Status” in response to the HTTPS request sent by the merchant to indicate whether the transaction was accepted for processing or rejected. |
Other Integration Options:
Other options available for automating communications to and from the check processing system include Express Authorization, Express Verify, Batch Processing, Transaction Status Tracking, and a simple Customer Interface that can be integrated into any E-Commerce application. Please talk to your representative if you are interested in any of these options.
Batch File Format for New Check Transactions:
New check transactions can be batched and uploaded in a tab-delimited text file. Each transaction in this file needs to be on a separate row. Every row must end with a valid end-of-line character (carriage return/line feed). Each transaction row needs to contain the values for the fields in the following table in the order they are listed.
Screenshot of Sample Internet Check Acceptance form:
The following customizable Internet Payment form is available to you when using our Gateway Services. This form can be integrated directly to your site or shopping cart. We also offer fee based programming and Integration support for e-commerce merchants requiring such technical assistance.
This is an example of the check out process a customer sees when purchasing via check from your web site:
Please follow these steps (read carefully):
| Step 1 |
Get your checkbook |
| Step 2 |
Pull out the next valid check |
| Step 3 |
Copy all information from that check to the Online Check form below |
| Step 4 |
Press the "Proceed to Authorization" button and wait for the confirmation screen |
| Step 5 |
Write void on your check and keep it with your printed receipt |
| Step 6 |
Make sure to record an entry in your check register for the amount of this check and the check number. You will see this transaction in your monthly bank statement soon. |
Download and print
Data Security and Protection
All transaction data sent to and from the SpeedCHEX Electronic Gateway is secured using 128-bit SSL encryption verified by Thawte, a VeriSign subsidiary. The data received by the Gateway is ultimately stored on the SpeedChex servers which are protected by a state-of-the-art firewall system and restricted physically to authorized personnel only.
Each merchant is also assigned a unique Merchant ID, login name, and password that must be included as part of each data packet sent to the Gateway. In addition, an IP filtering scheme is used to ensure that transaction packets are only received and processed if the IP address of the computer system sending the transaction fits into the IP address range specified in the merchant’s security profile.
Shopping Carts / Integration Documents
We can e-mail the necessary Gateway documentation and API information required either by your shopping cart provider or e-commerce developer.
Interactive Gateway Demo
We currently support dial-up, frame relay, Internet and VPN with a variety of software and tools to assist your integration. For most companies, our Software Terminal program or our Virtual Terminal product offers the easiest to use platform for getting started right away. |
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