How Personify’s e-Check System Works

1.    The “Payor” (Personify Customer) is prompted to authorize electronic debt and enter his or her ban routing number (ABA#) and account number.

2.    Personify securely transfers the order information to the Payment Gateway (currently only PayPal is supported) over the Internet.

3.    The Payment Gateway forwards the bank routing number and account number to the Processor (TeleCheck).

4.    The Processor forwards the approve/decline results to the Payment Gateway. If the processor approves, an Electronic Check Acceptance (ECA) is returned.

5.    The Payment Gateway returns an approval/decline message to Personify.

6.    If approved, the Payment Gateway routes the check for settlement through a processor to the Automated Clearing House system (ACH).

7.    The funds are deposited in approximately 1-3 business days.

Unlike credit card receipts, credits (refunds) of e-Check receipts are handled as regular paper checks and are not done online. They are PayPal checks.