Electronic Funds Transfer (EFT) Guide

061908

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RE7-GiftEFT-061908

Electronic Funds Transfer (EFT) GuideELECTRONIC FUNDS TRANSFER . . . . . . . . . . . . . . . . . . . . . . . . . 1

EFT Setup Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3Frequently Used Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Navigating in EFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13User Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Understanding EFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Automatically Generating Recurring Gift Transactions and Pledge Payments in

Batch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24Create Transmission Files . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38Clear Declined Authorization Codes from a Batch . . . . . . . . . . . . . . . . . . . . . . . . . . 68EFT Reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70

FILE FORMATS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77

Direct Debit File Formats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78Credit Card File Formats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82

INDEX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85

What Is In This Guide?In the Electronic Funds Transfer (EFT) Guide, you learn how to use an electronic funds transfer to process direct debit and credit card gifts. Electronic funds transfer is a general banking system by which transactions, such as deposits or bill payments, are made electronically from a donors bank account or credit card to your bank account. You can also learn about the following: New Merchant Account Numbers and Third-Party Processors on page 7 Preparing for Direct Debit Transactions on page 4 Preparing for Credit Cards on page 5 Gift Types and EFT on page 16 Automatically Generating Recurring Gift Transactions and Pledge Payments

in Batch on page 24 Create Transmission Files on page 38 Clear Declined Authorization Codes from a Batch on page 68 EFT Reports on page 70

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WE L C O M EIV

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Electronic Funds Transfer

Contents

EFT Setup Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3Quick Look into EFT Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Preparing for Direct Debit Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Preparing for Credit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Preparing for IATS/Ticketmaster . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Preparing for ICVerify . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6New Merchant Account Numbers and Third-Party Processors . . . . . . . . . . . . . . 7Automatically Generating Transactions or Payments . . . . . . . . . . . . . . . . . . . . . 7Creating Transmission Files . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Direct Debits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8Credit Cards. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9IATS/Ticketmaster . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9ICVerify. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Committing a Batch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Frequently Used Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Navigating in EFT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13User Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Understanding EFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Gift Types and EFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Configuration Settings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18Financial Institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Business Rules. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Initializing IATS/Ticketmaster . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22Initializing ICVerify . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Automatically Generating Recurring Gift Transactions and Pledge Payments

in Batch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24Setting Up a Gift Batch to Generate Transactions/Payments . . . . . . . . . . . . . . . 27Understanding the Automatically Generate Transactions/Payments Screen . . . 28

General Tab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29Gift Fields Tab. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

Using the Automatically Generate Transactions/Payments Menu Option . . . . . 34Create Transmission Files . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38The Life of a Transmission File . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38

Direct Debit Transmission Files . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39Direct Debit File Formats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40

CH A PT E R 12

Credit Card Transmission Files . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44Credit Card File Format . . . . . . . . . . . . . . . . . . . . . . . . . .