With the introduction of NBCheck, NETbilling now supports the full spectrum of alternative electronic payment options through its Internet Payment Platform. Merchants can broaden their customer base by adding payment options like phone and web checks to card processing. By offering additional payment options at the time of purchase or in the event of a declined transaction, fewer sales are lost.
The NETbilling Gateway can help streamline a merchant's credit card and check reporting. Our NBCheck product offers merchants consolidated check and credit card reports, daily disbursements, updated Daily Reports, and detailed monthly statements.
Merchants with active NETbilling accounts must complete a simple, four-step, online application process. This application can be found by clicking on the "Check Processing" link under the "Setup" menu heading. An application fee may apply to all applicants. The application must be printed, signed, and submitted with a voided check and a government issued photo ID. After receipt of the application, an evaluation of the merchant's credit history is initiated. This step is required and allows NETbilling to underwrite the NBCheck transactions processed through the NETbilling Gateway.
Upon completion of the application review, underwriting process, and approval by the Risk Department, your account will be enabled for NBCheck processing.
Price Plans
Merchants must see their agent for all applicable NBCheck price plans.
When submitting an application, a request must be made for certain monthly and per-transaction processing limits. The limits will be reviewed by the Risk Department during the underwriting process. Through its sole judgment, the Risk Department has the authority to accept or reject any processing limit request.
The Monthly Processing Limit is the maximum dollar amount the merchant can process for NBCheck transactions per month.
The Per-Transaction Processing Limit is the maximum dollar amount the merchant can process per individual NBCheck transaction.
To change the processing limits, the merchant must contact their agent in writing and identify the requested monthly or per transaction increase. The Risk Department will review the request as well as account history to determine what changes, if any, will be made.
All cleared checks will be electronically deposited daily into the merchant's bank account.
The billing descriptor that will appear on a customer's bank statement is "nbcheck.com." A customer can find specific information regarding an NBCheck transaction by visiting www.nbcheck.com. Once the website is open, the customer must enter the checking account and routing numbers, check amount, and the transaction date. After this is completed the customer will click the "find my transaction" button. A page will open that will display all specific information including the merchant's name and website associated with the transaction.
The merchant can test the NBCheck processing capability from their web site or the Check Virtual Terminal by using a Test Checking Account Number. The transaction will only be processed as a test instead of being submitted to the customer's bank.
The first step in testing the NBCheck processing capability is to click on the "Check Processing" link under the "Setup" menu heading. The next step is to enter a test checking account number (ex: 123456789:12345678900) in the "Test Checking #" box at the bottom of the page and click "Apply." Once this step is completed the merchant can click on the "Checks" link under the "Virtual Terminal" menu heading and run transactions using the test account number.
In order to process a phone or web-check, the merchant must click on the "Checks" link under the "Virtual Terminal" menu heading. A page will open that allows the merchant to choose a transaction type and enter all payment details. The merchant must enter in all required information in regards to payment information, customer contact information, and billing address. Once all information is entered correctly, the merchant must click the "Process Transaction" button at the bottom of the page to submit the transaction.
When a merchant uses the Payment Form to process check transactions, the customer is re-directed from the merchant's website to a customizable payment form on the NETbilling Gateway's secure servers. After the customer enters in all electronic check and billing address information, the transaction can be processed. The NETbilling Gateway will display a receipt to the customer and then redirects them back to a specified URL (typically the merchant's website). Please click on "Payment Form Documentation" under the "Development" menu heading for additional information.
Direct Mode is an interface used to automatically process individual transactions. When a merchant uses Direct Mode, the customer's browser never leaves the merchant's website. Transaction data is sent to the NETbilling system from the back-end of the merchant's server. The Direct Mode interface gives the merchant the ability to completely customize and integrate real-time payment processing. Please click on "Direct Mode 3.1 Documentation" under the "Development" menu heading for additional information.
The batch transaction tool is used to run numerous transactions quickly and easily through the system. Depending on settings, bandwidth, and processor, a merchant can run as many as 20 transactions per second. In order to access the batch tool, a merchant can click on the "Batch Tool" link under the "Virtual Terminal" menu heading. The batch tool is used to process checks in the same format as credit cards. In order to upload the batch file, all fields must be filled out. Please click on "Batch Tool" under the "Help Files" menu heading for further instruction.
Direct Mode Batch allows automatic upload and high-volume processing of batch files containing multiple transactions. This allows merchants to upload 50,000+ transactions per hour in a single account. Please click on "Direct Mode 3.0 Batch Documentation" under the "Development" menu heading for additional information.
The merchant can see if a specific transaction has gone through by clicking on "Find, Transactions" under the "Find/Browse" menu heading. A page will open that allows the merchant to enter the transaction limits. When this is complete, the merchant can click the "Search" button at the bottom of the page. A new page will open, titled "Search Results," that displays all transactions corresponding to the limits entered on the previous page. The second column labeled "Status" will display the message "ACH/OK" if the transaction has gone through successfully.
An NBCheck transaction is eligible for disbursement, typically, after 7-days. This time frame is a combination of the time required by the ACH Network and the holding period established for the merchant's account during the risk assessment process.
Batch settlements occur each business day, excluding bank holidays.
The merchant can find their NBCheck Monthly Statement by clicking on the "Monthly Statement" link under the "Reporting" menu heading. A page will open that contains the monthly ACH Statement for that merchant. This Report will have the merchant's ACH Summary and ACH Details for the current month. The merchant can view previous statements by selecting a month from the drop-down menu at the top of the screen.
The top portion of the statement will contain the merchant's name and account number. Below the account number will be a box that contains the "Account Summary".
The "Transaction" section breaks down the total number of transactions according to Number of Sales, Refunds, Returns, and Disbursements.
The "Reserve" section summarizes the flow of funds in the Risk Reserve account throughout the month. The "Beginning Risk Reserve" reflects the total dollar amount in the Risk Reserve account at the beginning of the month. The "Ending Risk Reserve" displays the total amount of funds in the Risk Reserve account at the end of the monthly period.
The "Holding" section summarizes the flow of funds in the Holding account throughout the month. The "Beginning Holding Balance" reflects the total dollar amount in the Holding account at the beginning of the month. The "Amount of Sales" will display the total of all sales for the given month. The "Amount of Credits" will display the total dollar amount of credits for the month. The "Amount of Returns" will show the total dollar amount of returns during the specified time period. "Amount of Disbursements" shows the total dollar amount that was paid out to the merchant during that monthly period. The "Amount of Disbursements" equals the total amount of disbursements funded during a specified time period. The "Risk Reserve Credit" displays the net change in the Risk Reserve account during the invoice period. The "Ending Holding Balance" reflects the total dollar amount in the Holding account at month end.
The "Account Details" section provides a daily breakdown of the flow of funds for the invoice period. The sum of each column is reflected in the "Holding" section of the Account Summary.
A merchant can find a summary of all disbursements that have been paid out by clicking on the "Disbursements" link under the "Reporting" menu heading. A page will open titled, "View NBCheck Disbursements." This page includes the following fields:
Date: The date is the day the disbursement was made.
Disbursements: This shows the total disbursements that were paid out on the given date. A detailed summary of the NBCheck disbursement history for that particular date can be viewed by clicking on the blue highlighted links below the "disbursements" heading.
| Note: | additional "Action" tabs, on the right side of each transaction row, will allow the merchant to "reissue" or "dispute" the transaction, as well as "view" the complete "details" for the transaction. |
| Note: | additional "Action" tabs, on the right side of each transaction row, will allow the merchant to "reissue" the refund, "view related" transactions, as well as "view" the complete "transaction details" for the refund. |
| Note: | additional "Action" tabs, on the right side of each transaction row, will allow the merchant to "reissue" the return, as well as "view" the complete "transaction details" for the return. |
A return is an NBCheck transaction that cannot be completely processed. There are three types of returns:
The merchant can find a list of all returned NBCheck transactions by clicking on the "Daily Report" link under the "Reporting" menu heading. A page will open titled "View Daily Report." A column titled "Returns" will display the total dollar amount in returned transactions for that given date. A page titled "Transaction History" is available by clicking on the link under the "Return" heading column corresponding to a given date. This page will display the details of all returned transactions for that day.
If the original transaction for which the credit is being issued has been processed through NBCheck, an exact amount credit or refund is possible. There must be available funds in the Holding Reserve to cover the requested credit.
A Safe ACH refund ensures that the sale is successful before a refund is submitted. If a sale fails in the typical seven (7) day clearing period no money is refunded.
Yes, Our Recurring Billing service allows you to schedule and automate recurring transactions.
There are three automatic emails that are associated with NBCheck.
All check disputes will be handled by nbcheck.com. The agent and merchant will be notified automatically via email of all check dispute results.
Fraud Defense for Checks is NETbilling's fraud-scrubbing tool, used to screen, in real time, all submitted NBCheck transactions. The Fraud Control limits, used in Fraud Defense for Checks, are established by the Risk Department during the NBCheck application process. Any questions in regards to Fraud Defense for Checks should be directed to the Risk Department.
The following represents a list of typical message definitions that may apply to NBCheck transactions:
| ACH/Issued: | The transaction has gone through Fraud Defense for Checks and is waiting to be submitted to the bank in the daily settlement. |
| ACH/Pending: | The transaction has been submitted to the bank and is being processed. |
| ACH/OK: | After the holding period, the transaction has gone through the Automatic Clearing House and has settled. |
| ACH/Failed: | The transaction was blocked through Fraud Defense for Checks. |
| ACH/Returned: | The transaction has been returned from the bank for any number of reasons including: cannot locate account, non-sufficient funds, invalid account number, etc. |
| ACH/Refunded: | A sale transaction that is refunded by the merchant. |
| Refund/Issued: | A refund transaction has been issued and is waiting to be submitted to the bank. |
| Refund/Pending: | A refund transaction is waiting to clear the holding reserve. |
| Refund/Ok: | The refund has passed the clearing delay. |
| Refund/Returned: | The refund was refused by the bank. |
| Refund/Failed: | The transaction is unable to be processed through the banking system. |
| ACH.CB/Issued: | The disputed transaction has been issued and is waiting to be submitted to the bank. |
| ACH.CB/Pending: | The disputed transaction is waiting to clear the bank. |
| ACH.CB/Ok: | The disputed transaction has passed the clearing delay. |
| ACH.CB/Returned: | The attempt to refund the disputed transaction failed. |
| ACH.CB/Failed: | The transaction is unable to be processed through the banking system. |
| A/Declined: | The transaction exceeded the traffic limit. |
| B/Declined: | The transaction contains information found in the blacklist. |
| C/Declined: | The country of origin is found in the high-risk country list. |
| E/Declined: | The email address in the transaction is not valid. |
| I/Declined: | The customer's stated billing address country does not match the country of the originating IP and/or the card issuer. |
| J/Declined: | The transaction contains profane or otherwise suspicious information. |
| L/Declined: | The transaction failed to pass the US Location Verification. |
| R/Declined: | The transaction contained a high risk country or came from an anonymous domain. |
| A/Quota Exceeded: | The transaction exceeded the maximum dollar volume limit per check. |
| C/Quota Exceeded: | The transaction exceeded the maximum number of credits/refunds allowed within a time period. (contact your agent) |
| M/Quota Exceeded: | The transaction exceeded the maximum per transaction amount. |
| R/Quota Exceeded: | The transaction exceeded the maximum dollar volume of credits/refunds allowed within a time period. (contact your agent) |
| S/Quota Exceeded: | The transaction exceeded the maximum number of sales allowed within a time period. (contact your agent). |