ACHWorks Account Verification

Transcription

1 CHWorks ccount Verification Overview CHWorks ccount Verification is a fast, easy, and accurate way to verify bank accounts in real time, providing various levels of information from multiple sources. Now you can make an informed decision when accepting a check or CH as a payment option. The service is available as an independent program or an integrated service via our CHWorks SOP PI. Three levels of verification (, B and C) are used to automatically validate the account. Two levels of processing ( and ) are used to check the integrity and availability of the verification levels. Verification of the account is first attempted through Level, the most accurate validation level. Level is a real-time amount verification process indicating if there are sufficient funds in the account to cover the entered transaction amount. Level is available from a limited, but ever-growing number of participating banks. If the customer account does not belong to any of the Level participating banks, account verification will then be automatically validated against a wider network of participating banks using Level B account verification. Level B checks if the account is open and currently in good It does not check for availability of funds. Level B has more participating banks than Level. If the customer account does not belong to any of the Level B participating banks, the account is automatically validated using Level C historical verification. Level C is based on the largest experiential positive and negative database reports from the more than 158 million bank accounts that cover more than 70% of the entire US Banking system. Level C responses will be based on positive and negative historical reports about the customer accounts.. CHWorks Level, Real-time mount Verification The account and transaction amount will be validated using live information from an ever-growing network of participating banks. t this level, validation will respond with 72 code if the account has sufficient funds to cover the amount to be debited at the time of the verification request. The verification system will respond with code R01 for non sufficient funds situations (the account does not have enough funds to cover the transaction amount or if the account has a current negative balance). Table 1 details these and other codes specifying both customer account status and approval/decline recommendations. If the account number does not belong to the network of participating banks in the real-time amount verification, the account is evaluated using Level B ccount Verification. CHWorks Level B, ccount Verification Level B is automatically performed if the customer s account does not belong to Level participating banks. Level B has more participating banks than Level. Most larger Tier I & II banks are participants, but some local banks and smaller credit unions may not be. t Level B, only the customer account status is evaluated, there will be no information about the funds availability at this level. The account status is determined by the participating banks to see if the account is valid and in good standing. The response code P7, will indicate if the account is open and in good standing. response code of V41 indicates that the account has a negative standing or status (Table 2). If the customer account does not belong to a Level B participating bank, the account will be automatically evaluated with Level C verification. CHWorks Level C, Historical Verification This level is automatically used when the customer s account does not belong to participating banks in Levels or B. t this level, the customer account is validated against a large national historical database of positive and negative account reports. If there are negative reports against the evaluated account number, the response will include the type of report (i.e., NSF) and whenever available, a phone number for inquiries. Level C connects to an online inquiry service querying a very large experiential database that includes information on 158 million accounts. The combined experiential database contains account information from more than 130 million positive accounts and account information from more than 28 million negative accounts. This system covers about 70% of all US banks. There are two definitive responses from Level C verification; X21 and X20. Level C will return X21 when the customer account

2 has good historical records and there are No Negative Reports in the large national experiential database. Conversely, X20 indicates a history of one or more previous bad transactions. Lastly, a final Level C code of X22 would indicate a new account number or the account has little or no previous history. Care should be taken when interpreting Level C results. Sometimes a customer account in the database may have negative records but has recently good funding It depends upon your judgment on how you personally evaluate your customers on other criteria, to accept the transaction or not. Level C response codes are listed in Table 3. CHWorks Levels and, System and Miscellaneous Validation These levels are used to determine data and system integrity of Levels, B and C. It checks the realtime availability of various servers of participating banks and the online experiential database. It also checks the status of the verification services signed up with CHWorks, LLC. Tables 4 and 5 list the common response codes of these validation levels. Level will generally carry no charges for the responses.

3 Table 1. Level, Real-time mount Verification Response Codes. 01 PPROV Transaction will be approved. Customer account has good 72 XU2 XP0 VLIT MOUNT CCOUNT NOT PPROV CCT NOT LOCT XP1 CCOUNT CLOS XP2 STOP PYMNT R01 NHNC NSF XP7 NON CCOUNT XP8 UNKNOWN CCOUNT X11 RSUBMISSION X12 NO LCTRONIC BITS V12 ISSUR CLIN V13 UPLICT Transaction is verified with Level validation. ccount is valid and has sufficient funds at the time the query is submitted. Customer account has good funding Recommend decline transaction. Customer account is in the "known bad" list. Customer account has negative Recommend decline transaction. ccount cannot be located on Contributor's file. The account was mistyped or potentially fraudulent. Customer account has non-existent Recommend decline transaction. The ccount is Closed or was Closed for cause (closed by contributor as a result of unacceptable use, removed from file, or purged from file). Customer account has closed Recommend decline transaction. The ccount and serial number match an individual or range of stop payment records. Customer account has stopped Recommend decline transaction. It indicates a High Risk NSF. The vailable balance is less than the transaction amount and possibly even negative. Customer account has NSF Transaction automatically declined. It is a Non-demand deposit account such as Credit Cards, Line of Credits, Home quity or Broker accounts. Customer account has invalid Recommend decline transaction. The routing number belongs to a primary contributor but the account is unknown. Possibly mistyped, made up or potentially fraudulent. Customer account has non-existent Transaction could not be verified because it is a resubmission. Customer account has resubmit Recommend decline transaction. lectronic ebits are not allowed for this account. Customer account has invalid Transaction automatically declined. Issuer was eclined. Customer account status cannot be Transaction could not be verified because it is a duplicate. Customer account status cannot be Table 2. Level B, ccount Verification Response Codes. B P7 VLIT B V41 NGTIV Transaction is verified with Level B validation. ccount is open and valid on Contributor's file and contains no other Customer account has valid Transaction automatically declined. Customer account has negative

4 Table 3. Level C, Historical Verification Response Codes. Transaction is verified at Level C validation. There are No Negative C X21 NO NG RPORTS Reports in the large experiential database that contains more than 158 million accounts. Customer account has good Recommend decline transaction. One or more bad transactions records C X20 or checks not reimbursed or "made good" exist in the large experiential NG RPORT ITMS database that contains 158 million accounts. Customer account has negative C X22 NO CCOUNT HISTORY Transaction could not be verified at Level C category because the account has no recorded history in the large experiential databases that contains more than 158 million accounts. Customer account status cannot be Table 4. Level, System and Miscellaneous Validation Response Codes. XF1 XF3 XF4 MNTORY FIL MISSING INVLI FIL NM INVLI FIL VLU XF5 UPLICT FIL Transaction automatically declined. t least one required field is missing. Customer account status cannot be Transaction automatically declined. Field name is not recognized. Customer account status cannot be Transaction automatically declined. One of the field Values is not allowed. Customer account status cannot be Transaction automatically declined. One Field was repeated in message. Customer account status cannot be Transaction automatically declined. Conflicting Fields cannot be present XF7 CONFLICTING FIL at the same time in a message record. Customer account status cannot be R13 NON-CH TRN XB4 INVLI TRN XU1 MRCH UTH RVOK Transaction automatically declined. The account's routing number does not belong to any known CH participating RFI. Customer account has invalid Transaction automatically declined. ccount has Invalid Routing Number. The Routing Number was either typed incorrectly or was fraudulent and made up. Customer account has invalid Transaction automatically declined. Merchant is not allowed to access customer account. Please contact your service provider to resolve this issue. Customer account status cannot be XU3 Transaction automatically declined. Merchant daily limit has been ILY TRNS LIMIT exceeded. Customer account status cannot be XU5 TYP NOT Transaction automatically declined. Merchant is not approved for this LLOW transaction type. Customer account status cannot be Transaction automatically declined. Transaction amount exceeds XU6 PR TRNS LIMIT merchant's per transaction limit. Please contact your service provider to increase your per transaction limit. Customer account status cannot be S80 Transaction automatically declined. Preauthorization arrangement. PRUTH CLIN Customer account status cannot be V40 NO INFO X30 NON PRTICIPNT Transaction could not be verified because there is no information available from any participating databases. Customer account status cannot be Transaction could not be verified because the Routing and Transit number does not belong to any Contributor. Customer account status cannot be

5 XP5 INST SUPRSSING Transaction could not be verified because the Contributor requested that status be suppressed due to known internal conditions in their processing environment. Customer account status cannot be Table 5. Level, server errors and other service response codes. U80 PRPI XC U82 PRUTH RROR U85 UTH RROR U88 PRUTH BUSY U90 PRUTH UNVIL X80 VNOR BUSY X90 X91 X92 X93 PRUTH VNOR UNVILBL PRUTH VNOR RROR PRUTH SRVR UNVILBL ISSUR UNVILBL Transaction automatically declined. Merchant has used up all the funds of prepaid verification account. Please have the Merchant contact the service provider in order to continue verification services. Customer account status cannot be Transaction automatically declined. Preauthorizer error. Customer account status cannot be Transaction could not be verified because of uthorizer error. Customer account status cannot be Transaction could not be verified because the Verification vendor is busy. Transaction may be resubmitted for verification. Customer account status cannot be Transaction could not be verified because the Verification service is currently unavailable. Customer account status cannot be Provider Server is busy. Customer account status cannot be Provider Server is Unavailable. Customer account status cannot be Transaction could not be verified because of Verification Service Provider Server rror. Customer account status cannot be Provider Server is Unavailable. Customer account status cannot be Provider Issuer is Unavailable Customer account status cannot be