2 This manual and accompanying electronic media are proprietary products of Optimal Payments plc. They are to be used only by licensed users of the product Optimal Payments plc. All rights reserved. The information within this document is subject to change without notice. The software described in this document is provided under a license agreement, and may be used or copied only in accordance with this agreement. No part of this manual may be reproduced or transferred in any form or by any means without the express written consent of Optimal Payments plc. All other names, trademarks, and registered trademarks are the property of their respective owners. Optimal Payments plc makes no warranty, either express or implied, with respect to this product, its merchantability or fitness for a particular purpose, other than as expressly provided in the license agreement of this product. For further information, please contact Optimal Payments plc. International Head Office 3500 de Maisonneuve W., Suite 700 Montreal, Quebec H3Z 3C1 Canada Tel.: (514) Fax: (514) Technical support: Web: U.K. Office Compass House, Vision Park Chivers Way, Histon Cambridge CB24 9AD United Kingdom Technical Support: Web: U.S. Office 1209 Orange Street Wilmington, DE Gatineau Office 75 Promenade du Portage Gatineau, Quebec J8X 2J9 Canada
3 Contents 1 Using the NETBANX Back Office Overview Back-office features Viewing available documentation Accessing the back office System requirements Signing in Signing out Password modification Setting your landing page User administration Creating a user Modifying a user Changing a user s password Sending an online Technical Support request Contacting Technical Support by or phone Using this guide Audience Functionality Screen images Symbols Virtual Terminal Overview Virtual Terminal features Card or Direct Debit transactions Printing receipts Card transactions Purchase Purchase results Authorization Authorization results Direct Debit transactions Presentment/Charge Presentment/Charge results Credit Credit results Verify Verify results Transaction errors NETBANX Back Office User s Guide III
4 January Batch Upload Tool Overview Creating your transaction files Transaction types supported Formatting your files File restrictions CSV files XML files Direct Debit files Direct Debit CSV files Direct Debit CSV file example Direct Debit XML files Direct Debit XML file example Credit card files Credit card Authorization/Purchase CSV files Credit card Settlement CSV files Credit card Authorization Reversal CSV file Credit card Stored Data CSV file Credit card Credit CSV files Credit card CSV file example Credit card XML files Credit card XML file example Recurring billing files Recurring billing CSV files Recurring Billing CSV file example Recurring Billing XML files UploadRequestV Recurring Billing XML UploadRequestV1 file example ConsumerProfileRequestV Recurring Billing XML ConsumerProfileRequestV1 file example Uploading your transaction file Viewing batch upload results Viewing transaction details Downloading files Acknowledgement file contents Response file contents Sample credit card XML response Sample credit card CSV response Sample Direct Debit XML response Sample Direct Debit CSV response Sample Recurring Billing XML response Sample Recurring Billing CSV response Using SFTP to upload batch files Uploading your SFTP public key Reporting Tools Overview IV
5 January 2014 Reporting tasks Before you generate reports Saving activity report search criteria Setting your time zone preference Reporting tools features Address verification system codes CVD codes Transaction types Direct Debit transaction types Credit/debit card transaction types Online banking e-payments transaction types Transaction statuses Credit/debit card statuses Direct Debit statuses Online banking e-payment statuses Downloading reports Activity reports Generating activity reports Activity reports results Valid transaction requests Viewing transactions by type and status Viewing individual transaction details Declined transaction requests Viewing transactions by type and response code Using the Activity Report to process transactions Settling authorized transactions Cancelling Settlement transactions Reversing Authorization transactions Crediting settled transactions Cancelling Credit transactions Using the Lookup option in the activity report Transaction Lookup fields Using the transaction Lookup to process transactions Settling Authorizations Reversing Authorizations Cancelling Settlements Issuing Credits Cancelling Credits Batch reports Generating batch reports for an account Searching by batch ID Scheduled reports Viewing available scheduled reports Adding a scheduled report Schedule report fields Modifying a report schedule Deleting a scheduled report NETBANX Back Office User s Guide V
6 January Chargeback Reports Overview Running a Chargeback History report Customer Profiles Overview Customer profile status Consumer confirmation s Sending confirmation s Confirmation templates Merchant files Running activity reports Creating a customer profile Create Consumer fields Adding an address Adding a payment method Payment methods fields Adding a billing record Billing record fields Adding notes Searching for customer profiles Searching by billing record Searching by consumer Searching by expired credit card Modifying customer profiles Modifying a customer profile Processing transactions from a customer profile Viewing recurring transactions Confirmation file contents Account Statement Overview On Demand statement Monthly Statement Running an Account Statement report Account Statement results Current Account results Security Account results Reserve Account results Viewing transaction details Downloading account information Downloading your Account Statement Downloading a file attachment Viewing your credit ratio VI
7 January 2014 Viewing your next payment date Viewing your Monthly Statement Transaction descriptions A Direct Payment Response Codes Responding to an error message A-1 B Web Services Response Codes Responding to an error message B-1 Response codes B-1 Action codes B-22 Return codes B-22 C Geographical Codes Index Province codes C-1 State codes C-2 Country codes C C-7 NETBANX Back Office User s Guide VII
8 VIII January 2014
9 List of Tables 1 Using the NETBANX Back Office Table 1-1: Back-office Tabs Table 1-2: User Administration Fields Table 1-3: Contact Us Form Fields Table 1-4: Symbols Virtual Terminal Table 2-1: Purchase Transaction Fields Table 2-2: Purchase Results Table 2-3: Presentment/Charge Transaction Fields Table 2-4: Presentment/Charge Results Batch Upload Tool Table 3-1: Batch Upload Transaction Types Table 3-2: Direct Debit Transaction File Values Table 3-3: Authorization/Purchase Transaction File Values Table 3-4: Settlement Transaction File Values Table 3-5: Authorization Reversal Transaction File Values Table 3-6: Stored Data Transaction File Values Table 3-7: Credit Transaction File Values Table 3-8: Recurring Billing CSV File Parameters Table 3-9: Batch Upload Results Table 3-10: Batch Upload Acknowledgement File Elements Table 3-11: Batch Upload Credit Card XML Response File Elements Table 3-12: Batch Upload Credit Card CSV Response File Elements Table 3-13: Batch Upload Direct Debit XML Response File Elements Table 3-14: Batch Upload Direct Debit CSV Response File Elements Table 3-15: Batch Upload Recurring Billing XML Response File Elements Table 3-16: Batch Upload Recurring Billing CSV Response File Elements Reporting Tools Table 4-1: Reporting Tasks Table 4-2: Reporting Tools Features Table 4-3: AVS Codes Table 4-4: CVD Codes Table 4-5: Direct Debit Transaction Types NETBANX Back Office User s Guide IX
11 January 2014 A Direct Payment Response Codes Table A-1: Response Codes and Descriptions A-1 Table A-2: Error 321 Causes A-10 B Web Services Response Codes Table B-1: Response Codes B-1 Table B-2: Return Codes B-22 C Geographical Codes Table C-1: Province Codes C-1 Table C-2: State Codes C-2 Table C-3: Country Codes C-3 NETBANX Back Office User s Guide XI
12 XII January 2014
13 CHAPTER 1 Using the NETBANX Back Office Overview Welcome to the NETBANX merchant back office. Our intuitive and versatile interface makes it easy to use all the functions, from running reports to processing transaction requests. Just navigate the tabs on any of the back office pages to access the function you need. Back-office features The NETBANX back office includes many useful and time-saving features. You can navigate easily through the tabs at the top of the back-office. The back office has the following tabs: Table 1-1: Back-office Tabs Tab Account Statement Virtual Terminal Batch Upload Go There To View the balance and all credit/debit activity in your Current, Security, and Reserve accounts. View and download a monthly statement summarizing credit/debit activity in your merchant account, broken down by card brand. Process credit/debit card and Direct Debit transactions manually, from anywhere you have an Internet connection. Process transactions by uploading CSV or XML files containing your transaction requests. You can upload the following files: Credit card transactions Direct Debit transactions Recurring billing records NETBANX Back Office User s Guide 1-1
14 Using the NETBANX Back Office January 2014 Table 1-1: Back-office Tabs (Continued) Tab Go There To Reports Customer Profiles Settings Generate activity reports using account numbers, card numbers, etc. to view transaction details. Generate batch reports to view transaction and batch details. Generate chargeback reports to view a summary and details of disputed transactions. Drill down on an activity report to process transactions like Settlements and Credits. Schedule pre-configured reports to receive via or SFTP. Create and edit billing records for one-time set-up of recurring payments. Create and edit consumer profiles. Create and modify back-office users Create and modify templates for communication with your customers. Change your password. Set your default landing page in the back office. Set the currency format for Virtual Terminal and Activity Report functions (i.e., amounts with or without decimals). Viewing available documentation Click the Help button at the top right of the back office to access technical and back-office documentation. Here you will find the Getting Started Guide to get you up and running quickly with the main back-office tasks. 1-2
16 Using the NETBANX Back Office January 2014 Signing out Contact Technical Support if: You receive the message Invalid user name and password, even after verifying that your user name and password are entered correctly. You have lost your user name and/or password (Technical Support creates a new password in the event that one is lost). To sign out of the back office: Click the Sign Out button on the upper right side of the back office. If you are signed in to the site but have been inactive for fifteen minutes or more, you must sign in again before using the back office. Password modification You can use the back office to change the password you use to sign in. Your password must be at least 7 characters long, and must combine both alphabetical and numeric characters (e.g., a1b2c3d). You must change your password at least every 90 days. You cannot re-use a password identical to one of the last 4 passwords you have used. To change your password: 1. Click the Settings tab on any back-office page, and then click the Change Password submenu. The Change Password page opens. 1-4
17 January 2014 Setting your landing page 2. Enter your current password in the Current Password field. 3. Enter your new case-sensitive password in the New Password field and again in the Confirm New Password field. 4. Click the Save button. NETBANX strongly recommends that, as a security measure, you do not use group, shared, or generic accounts and passwords. It is important to keep your account user names and passwords private and secure. If you have the correct access rights you can also use the User Administration tool to modify a user s password. See Changing a user s password on page 1-9 for details. Setting your landing page The NETBANX back office allows you to set your default landing page. If, for example, you usually use the Reports, you can set that tab as your default page so that when you sign in, you go directly to Reports. You can change your default landing page at any time. To set your start page: 1. Click the Settings tab on any back-office page, and then click the General submenu. 2. From the Set Landing Page drop-down list, select the tab that you would like to set as your start page. NETBANX Back Office User s Guide 1-5
18 Using the NETBANX Back Office January Click the Save button. The next time you sign in to the back office, you will go directly the tab you have selected here. If you have unread messages on the Message tab, you will default to the Messages feature when you sign in. Once messages have expired or have been marked as read, you will default to your selected start page. User administration You can create users that are associated with the merchant for which you have been given user administration privileges. Once a user is created, you can also modify that user s characteristics at any time. Creating a user To create a user: 1. Click the Settings tab at the top of any back-office page. 2. Click the User Administration submenu. The User Administration page opens. 3. Click the link to add a new user. 1-6
19 January 2014 User administration 4. Complete the fields on the Create User page (see Table 1-2: User Administration Fields on page 1-7 for details). 5. Click Create. Table 1-2: User Administration Fields Field Description User name Name Password/Confirm Password Status address Allowed IP addresses Roles This is the unique identifier for this user, used system-wide (e.g., j_smith_11). The user name is displayed at the top of the back office when the user is signed in. This is the user s name (e.g., Jane Smith). Enter and then confirm a password that the user will use to sign in to the back office. The user will have to change this password the first time they use it to sign in. From the drop-down list, select the use status. The default is Enabled. This is the user s address. It will be used for the password recovery process, if required. Enter one or more comma-separated IP addresses from which the user will be able to access the back office. If none is entered, then all IP addresses will be allowed. From the drop-down list, select one or more roles to assign to the user (e.g., using the Activity Reports or processing transactions with the Virtual Terminal). NETBANX Back Office User s Guide 1-7
20 Using the NETBANX Back Office January 2014 Table 1-2: User Administration Fields (Continued) Field Description Accounts From the drop-down list, select one or more merchant accounts to which the user will have access. Modifying a user You can modify any user that is associated with the merchant account for which you have been given user administration privileges. For example, you might want to change their status or modify their back office access privileges. To modify a user: 1. Access the User Administration page in the back office. 2. Click the link in the row for the user you want to modify. 3. In the Edit User window, make the changes you need to the user profile. See Creating a user on page 1-6 for a description of the fields. 4. Click Save at the bottom of the page to save your changes. 1-8
21 January 2014 Sending an online Technical Support request Changing a user s password You can use the User Administration tool to reset the password of any user associated with the merchant account for which you have been given user administration privileges. For example, a user might have forgotten their password and you would rather reset the password yourself than contact NETBANX Technical Support to do it. To change a user s password: 1. Go to the Edit User page for the user whose password you want to change (see Modifying a user on page 1-8 for details). 2. Click the password reset link at the top of the page. 3. Enter a new password, and confirm it by re-entering it. 4. Click Save. The user will have to change this password the first time they use it to sign in. Sending an online Technical Support request You can request Technical Support from NETBANX right from the back office. It s a convenient online request form that is easy to use. NETBANX Back Office User s Guide 1-9
22 Using the NETBANX Back Office January 2014 To send an online request for help to Technical Support: 1. Click the Contact Us button at the top of any back-office page. 2. The Contact Us form opens. 3. Complete the form. Be sure to include the following information, since it is required before you can submit the request: Table 1-3: Contact Us Form Fields Field What to Enter Name Phone Number Description Account Enter your name. Enter the phone number at which we can contact you regarding your request. Enter the address at which we can contact you regarding your request. Be sure to format it correctly. This is where you describe your request as thoroughly as possible. If you have more than one account with NETBANX, select the account for which you have a question from the drop-down list. If you only have one account, it will be selected by default. 1-10
23 January 2014 Contacting Technical Support by or phone Table 1-3: Contact Us Form Fields (Continued) Field Card Info Confirmation No. Transaction Date What to Enter If applicable, select a card brand from the drop-down list, and enter the last 4 digits of the card in the field to the right. If applicable, enter the confirmation number of the transaction about which you are inquiring. If applicable, enter the date of the transaction about which you are inquiring. Format = yyyy-mm-dd 4. Click the Submit button. The form sends your request to the NETBANX Technical Support team. That s all there is to it. Our Technical Support team will answer your request as soon as they have investigated it and gathered the necessary information. Typically, you ll receive an response within 24 hours. Contacting Technical Support by or phone If you prefer to contact Technical Support by or phone, click the /Numbers tab on the Contact Us form to view phone numbers and/or addresses. Using this guide Audience The chapters in this guide detail major system functions. Each chapter provides an overview of functions, which are then broken down into procedures with steps to be followed. The procedures in the guide often include graphics of windows and dialog boxes encountered in the performance of those actions, providing you with a visual point of reference. This guide is intended for merchants using the back-office functions. Functionality This guide may document some features to which you do not have access. Access to such functionality is allotted on a merchant-by-merchant basis. If you have any questions, contact your account manager. NETBANX Back Office User s Guide 1-11
24 Using the NETBANX Back Office January 2014 Screen images Symbols For the most part, screen images reflect the current user interface. In some instances, a screen image may differ slightly from the actual application, but in such cases it will be minor and will not affect the accuracy of the document. This guide uses the following symbols to bring important items to your attention: Table 1-4: Symbols Symbol Description This security icon denotes that you need certain access privileges in order to perform a procedure. This note icon denotes a hint or tip to help you use the application more efficiently. This warning icon alerts you to actions that could have important consequences. 1-12
25 CHAPTER 2 Virtual Terminal Overview Use the Virtual Terminal to process transactions for a merchant account with a simple, efficient user interface. The Virtual Terminal allows you to process both credit/debit card transactions and Direct Debit transactions (sometimes referred to as e-check transactions), depending on what transaction types the merchant account is configured for. You can implement the following credit/debit card transactions: Purchase authorizes and settles an amount on a card Authorization authorizes an amount on a card Card transactions are protected by three security options: AVS (address verification system), a negative database check, and CVD (card verification data). You can implement the following Direct Debit transactions: Presentment/Charge credits an amount to a merchant account Credit credits an amount to a bank account Verify verifies the validity of a bank account This chapter may document some features to which you do not have access. Access to such functionality is allotted on a merchant-by-merchant basis. If you have any questions, contact your account manager. Virtual Terminal features Click the Virtual Terminal tab at the top of any back-office page to open the Virtual Terminal. You can toggle between Credit Card and Direct Debit tabs, depending on the type of transaction you want to process. Card or Direct Debit transactions The Virtual Terminal allows you to process transactions using credit/debit cards or Direct Debit, depending on how your merchant accounts are configured. Both the Credit Card and Direct Debit pages share the same basic consumer information fields, but the Payment Information section for each differs. NETBANX Back Office User s Guide 2-1
26 Virtual Terminal January 2014 The Payment Information fields for the Credit Card option are those required for processing cards. The Payment Information fields for the Direct Debit option are those required for processing Direct Debit transactions. Printing receipts The Virtual Terminal allows you to print a receipt for each transaction you process. The receipt contains useful merchant and customer information, as well as a summary of transaction data (e.g., transaction date/time and transaction amount). 2-2
27 January 2014 Card transactions To print a receipt: 1. When you process a transaction, click the View Receipt button on the resulting page. 2. On the resulting transaction receipt page, click the Print button to print it. Card transactions Purchase A Purchase request both authorizes and settles the requested amount against the card indicated. Through Authorization, the Purchase request confirms that the card exists and that funds are available at the time of Authorization to cover the Purchase amount. The funds are not settled at NETBANX Back Office User s Guide 2-3
28 Virtual Terminal January 2014 this time but the Authorization reduces the available credit limit for that card, so in a sense the funds are reserved for the Purchase. Through Settlement, the Purchase request completes the transaction the issuing financial institution credits the merchant s account with the funds for the transaction and updates the card holder s statement. To process a Purchase transaction: 1. Open the Virtual Terminal. 2. Select the Credit Card radio button in the Payment Method section. 3. Complete the fields required for the Purchase transaction. See Table 2-1: Purchase Transaction Fields on page 2-4 for more information. 4. Click the Process button. The Transaction Information page opens, notifying you of the status of your transaction request (see Purchase results on page 2-5). Table 2-1: Purchase Transaction Fields Field Description Consumer Information First Name Last Name Phone Number Recurring Indicator Address Address (cont d) City Country Province/State Enter the customer s first name. Enter the customer s last name. Enter the customer s phone number. Enter the customer s address. This indicates whether the transaction is an initial or a repeat transaction for a specific customer for whom you will be processing subsequent transactions. Possible values are: Initial Subsequent Enter the first line of the customer s street address. Enter the second line of the customer s street address, if required. Enter the city associated with the customer s card. Select the country associated with the customer s card from the drop-down list. Select the province or state associated with the customer s card. 2-4
29 January 2014 Purchase Table 2-1: Purchase Transaction Fields (Continued) Field Postal/Zip Code Description Enter the postal or zip code associated with the customer s card. Payment Information Account Transaction Mode Merchant Trans. ID Amount Card Brand Card Number Card Expiry CVD Select a merchant account number from the Account drop-down list. For a Purchase, select Purchase from the drop-down list. For an Authorization, select Authorization from the drop-down list. Enter a unique ID number you want to associate with each request. Maximum length = 25 characters (no special characters) Enter the amount for the transaction requested. Maximum length = 12 digits Choose the type of card used for the transaction from the drop-down list. Enter the card number to use for the transaction requested. Enter the expiry date. Format = mm/yy Enter the 3- or 4-digit security code that appears on the card following the card number itself. This code does not appear on imprints. Purchase results The fields displayed on the transaction results page may vary depending on the information included with the transaction request. When the Purchase is processed successfully with NETBANX, the following transaction information page opens: The fields are described in the following table: NETBANX Back Office User s Guide 2-5
30 Virtual Terminal January 2014 Table 2-2: Purchase Results Field Confirmation No. Account Merchant Trans. ID Date Txn ID Amount Remaining to Settle Card Details Frequency Auth Code Auth Mode AVS Response CVD Response Pay Proc Response ECI Code User Name Description This is the confirmation number the processor assigned to the transaction request and returned in response to the request. This is the merchant account through which the transaction was processed. This is the ID the merchant assigned to the transaction when it was submitted. This is the date and time the transaction was processed. This is the transaction number assigned to this request by the processor. It must be specified for all subsequent requests related to this request (e.g., Credits). This is the amount of the transaction. Where applicable, this is the amount of the original Authorization that remains to be settled. This is the brand, partial number, and expiry date of the card used. Possible values are: Recurring Billing The transaction came via recurring billing. Initial The Recurring Indicator value in either the Virtual Terminal or the API was set to Initial. Subsequent The Recurring Indicator value in either the Virtual Terminal or the API was set to Subsequent. This is the Authorization code that was returned. This is the transaction type submitted. This is the AVS code associated with the transaction (see Address verification system codes on page 4-4). This is the CVD code that is returned. See CVD codes on page 4-5 for more information. This is the transaction processor s response. Where applicable, this is the E-Commerce Indicator returned if an Enrollment Lookup request was made before processing the card transaction. This is the user name of the person using the Virtual Terminal to process the transaction. Authorization In a card Authorization, the transaction information is sent to the card processor, which in turn sends the information to the card holder s issuing bank. An Authorization is not a guarantee of payment. It only confirms that the card exists and that funds are available at the time of Authorization to cover the Purchase amount. The funds are not credited at this time but the Authorization reduces the available credit limit for that card, so in a sense the funds are reserved for the Purchase. In most cases, it is safe to assume that an Authorization will remain valid for a period of seven days. Many merchants try to limit the time between Authorization and Settlement to seven days, in order to minimize Settlement problems. 2-6
31 January 2014 Direct Debit transactions To process an Authorization transaction: 1. Open the Virtual Terminal. 2. Select the Credit Card radio button in the Payment Method section. 3. Complete the fields required for the Authorization transaction. See Table 2-1: Purchase Transaction Fields on page 2-4 for more information. 4. Click the Process button. The Transaction Information page opens, notifying you of the status of your transaction request (see Authorization results on page 2-7). Authorization results The Transaction Information page returned in response to an Authorization request is the same as that returned for a Purchase request. See Purchase results on page 2-5 for details. Direct Debit transactions Presentment/Charge The Presentment/Charge transaction allows you to transfer money from a customer s bank account to a merchant account. This transaction is completed in real time, though the banking network typically takes 3 5 days to transfer the funds. NETBANX Back Office User s Guide 2-7
32 Virtual Terminal January 2014 To process a Presentment/Charge transaction: 1. Open the Virtual Terminal. 2. Select the Direct Debit radio button in the Payment Method section. 3. Complete the fields required for the Presentment/Charge transaction. See Table 2-3: Presentment/Charge Transaction Fields on page 2-8 for more information. 4. Click the Process button. The Transaction Information page opens, notifying you of the status of your transaction request (see Presentment/Charge results on page 2-10). Table 2-3: Presentment/Charge Transaction Fields Field Description Consumer Information First Name Last Name Phone Number Address Address (cont d) City Country Province/State Postal/Zip Code Enter the customer s first name. Enter the customer s last name. Enter the customer s phone number. Enter the customer s address. Enter the first line of the customer s street address. Enter the second line of the customer s street address, if required. Enter the customer s city. Select the customer s country from the drop-down list. Select the customer s province or state from the drop-down list. Enter the customer s postal or zip code. Payment Information Account Select a merchant account number from the drop-down list. NOTE: The currency of the transaction is inferred from the Account specified. The currency of each account is assigned when it is created by NETBANX. 2-8
33 January 2014 Presentment/Charge Table 2-3: Presentment/Charge Transaction Fields (Continued) Transaction Mode Merchant Trans. ID Amount Field Payment Type Check Type Check Number Bank Name Bank Country Bank Account Number Routing Number Description For a purchase transaction, select Presentment/Charge from the drop-down list. For a credit transaction, select Credit from the drop-down list. For a verification transaction, select Verify from the drop-down list. Enter a unique ID number you want to associate with each request. Maximum length = 25 characters (no special characters) Enter the amount for the transaction requested. Maximum length = 12 digits Choose the type of payment for the transaction from the drop-down list. Possible values are: WEB (Personal Check Only) use when an Authorization is obtained through the Internet. TEL (Personal Check Only) use when a verbal Authorization is obtained via telephone. CCD (Business Check Only) use when a transaction takes place between two corporate entities ( business-to-business ). PPD (Personal Check Only) use to submit prearranged credit and debit transactions (e.g., periodic bill payments) NOTE: Although no money is transferred for Verify transactions, the Payment Type field must still contain a value in order for the banking network to process the request. Choose the type of check for the transaction from the drop-down list. Possible values are: BC Business Checking BL Business Loan BS Business Saving PC Personal Checking PL Personal Loan PS Personal Saving This is the check number associated with this Direct Debit transaction. Use numeric values only. The Check Number is included for tracking purposes, and appears in the transaction detail screen of the Activity Report (see Viewing individual transaction details on page 4-14 for more information). This is the name of the bank at which the customer holds their account. This is the country of the bank with which consumer s bank account is registered. This field is required/displayed for certain account configurations only. This is the bank account number associated with this Direct Debit transaction. Do not include spaces or dashes. For example, if the bank account number is , you must enter This is the 9-digit transit routing number of the customer s U.S. bank. Do not include spaces or dashes. For example, if the routing number is , you must enter NETBANX Back Office User s Guide 2-9
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