---
title: "Set Up eCheck Verification"
slug: "set-up-giact-echeck-verification"
updated: 2026-04-23T21:00:01Z
published: 2026-04-23T21:00:01Z
stale: true
---

> ## Documentation Index
> Fetch the complete documentation index at: https://resource.payrix.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Set Up eCheck Verification

Payrix Pro provides tools for merchants to accept eCheck and Automated Clearing House (ACH) payments while reducing associated risks. This article provides information about the eCheck and ACH options provided through Payrix Pro, along with details for merchants using the Payrix Pro eCheck feature.

## Overview of eCheck Payment Processing

Merchants can process eCheck payments [through the portal](/v1/docs/test-merchant-payment-acceptance). Switch between accepting card and ACH transactions directly within the **Quick Charge**and **Create Payment** pages. Select *eCheck Sale* as the transaction type (by default, this field is set to *Sale*).

The Payrix Pro platform’s standard processing time is five business days, which ensures the payment is fully funded before disbursing the funds to your client. To improve merchant cashflow, the Payrix Pro eCheck/ACH solution supports pre-funding merchants for eCheck payments that are still processing. Pre-funding options are available based on a business case and risk approval basis.

For information about processing eCheck payments using the Payrix Pro API, visit the [Worldpay Developer Hub for Payrix Pro](https://docs.worldpay.com/apis/payrix/dev-int-guide/direct-payments/submit-an-echeck-payment).

## Set Up eCheck Verification with GIACT

GIACT's gVERIFY is a real-time account verification service that confirms bank account legitimacy for eCheck transactions. It verifies that the account is open, active, and in good standing before processing payments to reduce fraud risk, administrative returns, and chargebacks. This service is useful for partners looking to improve transaction success rates and optimize risk management.

Each verification attempt incurs a fee, regardless of the verification result. After first-time verification, future transactions from the same account won't incur additional charges. If a transaction is blocked, an [Adverse Action Notice](/v1/docs/set-up-giact-echeck-verification#adverse-action-notice-message) must be given to the consumer as required by the Fair Credit Reporting Act (FCRA).

This section covers how to configure GIACT eCheck Verification Fees and review GIACT Inquiry Alerts within the platform. These steps are prerequisites for enabling fee collection and visibility into verification activity.

For complete integration with the GIACT gVERIFY service, you must:

1. Submit an [Implementation Services ticket](https://wp4p.zendesk.com/hc/en-us/requests/new?ticket_form_id=28459221652627) for **API Support** and work with the Implementations team to enable GIACT for your account and help you set up Risk Microservice API credentials.
2. Use the [Perform a GIACT eCheck Verification](https://docs.worldpay.com/apis/payrix/dev-int-guide/direct-payments/submit-an-echeck-payment/perform-a-giact-echeck-verification#programmatically-perform-a-giact-verification) developer integration guide on the Worldpay Developer Hub for library configuration scripts and necessary API calls to initiate GIACT verifications.

### Apply a GIACT eCheck Verification Fee

GIACT verification is performed on every eCheck submission, but the GIACT fee is charged only on the first transaction associated with a specific bank account and routing number. After initial verification, future transactions using the same bank account and routing number still go through GIACT verification, but no additional fee is applied.

Like any other fee on the Payrix Pro platform, you can configure GIACT eCheck Verification Fees from the Group Profile page or Merchant Profile page.

> [!NOTE]
> **Notes**
> 
> - You can apply similar steps from the Merchant Profile page for individual merchant assignment in the Portal.
> - For guidance on setting up Groups and adding merchants, see [Set Up a Group](/v1/docs/set-up-a-group). For details on setting up fees, see [Fee Type Configuration Parameters](/docs/fee-type-configuration-parameters#setting-up-a-fee).

To apply a GIACT eCheck Verification fee to a Group:

1. Select **Groups** from the left navigation panel.
2. Select your desired Group from the list to open the **Group Profile**page.
3. Select the **Fees** tab on the Group Profile page to open the Fees menu.
4. Click **ADD FEES** in the Fees menu to open the Add Fees dialog.
5. For **When to trigger a fee?**, select **GIACT Echeck Verification**.
6. Set **How much is the fee?**, **Fee start date**, **Fee name**, and **Currency** as needed.
7. Click **Add** to complete setting up the fee.

The GIACT eCheck Verification Fee now applies to all merchants in the Group. When a GIACT Verification fee is assessed to your account, it will automatically assess a fee to the merchant that triggered the verification to cover the verification service costs. With the GIACT eCheck Verification Fee set up, you can now run policy checks on transactions, allowing automated risk decisions based on eCheck verification responses.

### Review GIACT Inquiry Alerts for Merchants

As a Payrix Pro partner, you can use the following endpoint to run a GIACT policy check on a specific transaction or a set of transactions. When an eCheck transaction fails (status = 2), you need to verify if the transaction was blocked by the GIACT rule. If it was, you should display the Adverse Action Notice (AAN).

GIACT Inquiry alerts are shown in the **Alerts** menu of the [Merchant Profile](/v1/docs/merchant-profile-partners) page of the merchant performing the transaction.

![Alert log showing a GiacInquiry with a status of PASS on August 16, 2022.](https://cdn.us.document360.io/f243b0b3-0695-4293-966a-033fdd216918/Images/Documentation/GIACT_alert_example.png)

> [!NOTE]
> Note
> 
> Partners and merchants cannot see the GIACT Inquiry Check **Code** value. Additionally, Worldpay for Platforms is not permitted to disclose the nature or reason for a GIACT response to merchants or partners. All GIACT Inquiry Check codes are sent directly from the bank issuers. Account holders must contact their bank for more information on any hold or decline responses sent to the Payrix Pro platform.

The following table lists the possible GIACT Inquiry Check response messages and the descriptions:

| **Message** | **Description** |
| --- | --- |
| SKIP | The data submitted did not meet the initial requirements to begin a GIACT review. |
| BLOCK | The transaction data was reviewed with GIACT and has been declined with an assessed fee. **Note:** If a BLOCK is issued from a GIACT Inquiry Check, the [Adverse Action Notice](/docs/set-up-giact-echeck-verification#adverse-action-notice-message) must be displayed. |
| PASS | The transaction data was reviewed with GIACT and approved with an assessed fee. |

#### Adverse Action Notice Message

For GIACT Inquiry Check *BLOCK* responses, the following Adverse Action Notice must be displayed to the customer:

> *Adverse Action Notice*
> 
> *Learn more about this declined transaction-*
> 
> 1. *Check if you have entered the correct bank account and routing details.*
> 2. *Check if your bank account is in good standing.*
> 3. *If the details are correct and are in good standing, This notice is intended to comply with the requirements of the federal Fair Credit Reporting (FCRA). We are unable to process your request because we were unable to verify or authenticate your account information. Our decision was based in whole, or in part, on information obtained from a consumer reporting agency, LSEG Risk intelligence (Giact). However, LSEG Risk intelligence played no part in the decision process and is unable to supply specific reasons for the denial of services. Under the FCRA, you have a right to know the information contained within your report. You also have a right to make a written request, no later than 60 days after you receive this notice, for disclosure of this information. You may request a free consumer report from LSEG Risk intelligence no later than 60 days following the receipt of this notice. You may also dispute information contained in the report if you believe that it is inaccurate or incomplete. LSEG Risk intelligence’s contact information is provided below: LSEG Risk intelligence (Giact) 700 Central Expy S. Suite 300 Allen, TX 75013 1 (833) 802-8092.*

### Test Responses with GIACT Simulators

You can simulate specific GIACT responses to eCheck verifications by using the following values when adding a new eCheck account:

| Simulator Response Message | Description | Type | Routing Number | Account Number |
| --- | --- | --- | --- | --- |
| BLOCK | The transaction is not processed. | Personal Checking | 122105278 | 0000000004 |

A PayFac-as-a-service platform. Software companies can act as payment facilitators without taking on the associated risks, compliance burdens, and investment.

A secure electronic network in the United States that processes electronic funds transfers (EFTs) between banks. It facilitates automatic debits and credits to Payrix Pro merchant checking and savings accounts. The networks also supports one-time direct payments from customer bank accounts, known as eChecks.

The movement of funds between a customer (cardholder or eCheck account holder) and a merchant to purchase a good or service.

An entity that can process transactions and has been onboarded through a Payrix Pro partner.

The process of a captured merchant transaction being settled and the amount of the settled transaction being deposited into the merchant’s available balance (minus fees and profit shares).

The process of assessing and mitigating potential risk associated with transactions and merchant boarding and activity, including fraud prevention, anti-money laundering compliance, and monitoring chargeback rates.

In a Payrix Pro context, charges set by partners to monetize payment services for merchants. Partners can customize fees for specific merchants or set portfolio-wide fees using Groups.

By default, fees are applied to the merchant and paid to the partner account. A processed entry deducts the fee from the entity paying the fee. This fee is reflected in the entity's Available Balance and can be reviewed on the Balance Details page.

The web portal offered by the Payrix Pro platform to accomplish tasks for their business through a web-based user interface rather than the API. The Payrix Pro portal contains general settings, payment processing options, reporting, fee settings, group assignments, user management, and much more.

A comprehensive risk management system that automates and streamlines risk decision-making processes for entire portfolios or individual entities. Similar to decisions, policies use a rule-and-action logic; however, policies also integrate third-party risk services like GIACT, LexisNexis, and Equifax for more comprehensive risk review. (Note: Policies contain a component called decisions, which is different than Group risk decisions set from the Group profile.)

A partner entity in the Payrix Pro system that receives fees collected from merchants. Also known as a *Vendor* or a *Referrer*