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Setup GIACT eCheck Verification

GIACT uses gVERIFY®, a process that provides real-time status updates for business or customer accounts to validate them prior to approving a deposit or accepting payment.

Getting Started

Before you begin running eCheck Verifications for Merchant transactions, you’ll want to set up a GIACT eCheck Verification Fee and apply it to the Merchant or add the Merchant to an existing Group with the fee set up.

Setting Up a GIACT eCheck Verification Fee to apply on a Merchant

Set up a new Group to apply the GIACT eCheck Verification Fee:

Step 1: On the Groups page, click ADD GROUP, enter the group name, then, click CREATE GROUP.


Apply the GIACT eCheck Verification Fee to the existing Group:

Step 2: From the Group Profile, click the Fees tab, then click ADD FEES to open an Add Fees lightbox.

Step 3: Set “When to trigger a fee?” to “GIACT eCheck Verification”, add required info and click ADD.

Step 4: Return to the Group Profile, click ADD MEMBERS, select the Merchant, and click SAVE.

You can read more about Fee setups in the articles below:

The selected root page could not be found.

Now that you’re set up to apply the GIACT eCheck Verification Fee, you can begin running policy checks on transactions to apply automated risk decisions based on eCheck verification responses.


Reviewing GIACT Check Alerts for Merchants

API Request - Policy Run Summary

We have created the new endpoint (below) to run a GIACT policy check on a given transaction or set of transactions.

Base URL

https://apiv2.payrix.com/risk/v2

Endpoint

/decision/policy-run-summary

HTTP Method

GET

Full HTTP Request

https://apiv2.payrix.com/risk/v2/decision/policy-run-summary?stage=auth&transactionId={txn-id}

Required Header

Valid Values

Notes

Content-Type

application/json

Authorization

Bearer {yourAPIKey}

This can be found on the Portal Settings page.

Login

{yourLoginID}

User your login ID that begins with t1_log_.

Legacy-Auth-Header-Name

APIKEY

Deprecated field, APIKEY is the valid value.

Query Parameter

Type

Required

Notes

{txn-id}

string

Required

Valid values are transactions that have taken place on the platform and follow the alphanumeric string format.

Example: t1_txn_12a3bc4de56f789012gh3ij

Note: The Transaction ID entered here will also appear in the subject field of your API call response within the results object.

The {txn-id} needs to be replaced with the given transaction ID which needs to be verified if GIACT was called and the response of GIACT call.  

Body Parameters

The expandable content below gives more in-depth information about the specific parameters available and required in the Request Body:

Click here to see details about all Request Body Parameters and applicable valid values.

Parameter

Type

Required

Description

Valid Values

uuid

string

Required

Universally Unique Identifier (ID) for the GIACT Policy.

createdBy

string

Optional

User that originally created the GIACT Policy.

updatedBy

string

Optional

The user that has most recently run and updated the GIACT Policy.

createdAt

string

Optional

The time the GIACT Policy was originally made.

updatedAt

string

Optional

The time the GIACT Policy was most recently run and updated.

status

string

Required

Status of Merchant Boarding

INCOMPLETE
PENDING
DECLINED
MANUALVALIDATED
IN_PROGRESS
BOARDINGAPPROVED
PARTIALLY_BOARDED
BOARDED

state

string

Required

Phase of Underwriting.

UNDERWRITING_PENDING
UNDERWRITING_MANUAL
UNDERWRITING_VALIDATED

ownership

object

Required

Details about entity hierarchy.

facilitatorId

string

Required

The Payment Facilitator’s ID that facilitates the Merchant’s payment processing.

referrerId

string

Required

The Referrer’s ID that boarded the Merchant to the Platform.

merchantId

string

Required

The ID of the Merchant itself.

accounts

array of objects

Required

Details for the bank account of the Merchant.

accountType

string

Required

The type of account the Merchant will be using for source funding and/or payout on the Platform.

Corporate checking account
Corporate savings account
Personal checking account
Personal savings account

description

string

Optional

Optional description of the bank account being added.

method

string

Required

The methods of payments available through this bank account.

all
credit
debit

name

string

Optional

Optional custom name for the Bank Account.

number

string

Required

The bank account number.

primary

boolean

Required

Whether or not this is or will be the primary account for the Merchant on the Platform.

true
false

routing

string

Required

The bank account routing number.

businessInfo

object

Required

Information about the Merchant business itself.

advancedBilling

boolean

Optional

true
false

businessDescription

string

Required

A description of what the Merchant business does.

businessEnvironment

string

Required

The environment where the Merchant’s payments are accepted.

cardPresent
e-commerce
fuel
moto
restaurant
serviceStation
supermarket

businessType

string

Required

The formal business type as filed with the Merchant’s Secretary of State and the IRS.

Corporation
Government Organization
Limited Liability Company
Non-Profit Organization
Partnership
Sole Proprietor

displayName

string

Optional

Optional name for the Merchant’s Business to display in the Portal.

doingBusinessAs

string

Optional

Optional DBA for the Merchant to list any other names they may be “Doing Business As”.

donationsOverseas

boolean

Optional

Whether or not the Merchant makes international charitable donations.

true
false

donationsPercentage

number

Optional

What percentage of the Merchant’s income is donated. (To the nearest whole number)

ein

string

Optional

The Entity Identification Number given to the Merchant by the IRS.

einType

string

Optional

The type of [tax] Entity Identification Number.

ssn
tin
other

establishedAt

string

Required

haveEmployees

boolean

Optional

Optionally include whether or not the Merchant has employees.

true
false

irsFilingName

string

Optional

Optionally include the name that the Merchant used when filing for EIN number.

mcc

string

Required

Merchant Commercial Code.

name

string

Required

Include the Merchant’s Trade Name or Name their customers know them by.

newToCardProcessing

boolean

Required

Optinoally include whether or not the Merchant is new to accepting card payments through their business.

true
false

payoutSecondaryDescriptor

string

Optional

Optionally add more text to append a payout descriptor with unique information to help identify this particular Merchant’s payouts from others in your portfolio.

public

boolean

Optional

Optionally include whether or not the Merchant is a publicly traded company.

true
false

seasonal

boolean

Optional

Optionally include whether or not the Merchant is seasonal only.

true
false

website

string

Optional

Optionally include the Merchant’s primary website.

channel

string

Optional

Direct
Partner

clientIp

string

Optional

Optionally include the IP address of the Merchant.

communication

object

Required

Merchant contact information.

businessPhone

string

Required

Merchant business phone number.

customerPhone

string

Required

Merchant customer inquiries phone number.

email

string

Required

Merchant email address.

fax

string

Required

Merchant fax number.

currency

string

Optional

3 digit currency abbreviation.

AED
AFN
ALL
AMD
ANG
AOA
ARS
AUD
AWG
AZN
BAM
BBD
BDT
BGN
BHD
BIF
BMD
BND
BOB
BOV
BRL
BSD
BTN
BWP
BYN
BZD
CAD
CDF
CHE
CHF
CHW
CLF
CLP
CNY
COP
COU
CRC
CUC
CUP
CVE
CZK
DJF
DKK
DOP
DZD
EGP
ERN
ETB
EUR
FJD
FKP
GBP
GEL
GHS
GIP
GMD
GNF
GTQ
GYD
HKD
HNL
HRK
HTG
HUF
IDR
ILS
INR
IQD
IRR
ISK
JMD
JOD
JPY
KES
KGS
KHR
KMF
KPW
KRW
KWD
KYD
KZT
LAK
LBP
LKR
LRD
LSL
LYD
MAD
MDL
MGA
MKD
MMK
MNT
MOP
MRU
MUR
MVR
MWK
MXN
MXV
MYR
MZN
NAD
NGN
NIO
NOK
NPR
NZD
OMR
PAB
PEN
PGK
PHP
PKR
PLN
PYG
QAR
RON
RSD
RUB
RWF
SAR
SBD
SCR
SDG
SEK
SGD
SHP
SLL
SOS
SRD
SSP
STN
SVC
SYP
SZL
THB
TJS
TMT
TND
TOP
TRY
TTD
TWD
TZS
UAH
UGX
USD
USN
UYI
UYU
UZS
VEF
VND
VUV
WST
XAF
XAG
XAU
XBA
XBB
XBC
XBD
XCD
XDR
XOF
XPD
XPF
XPT
XSU
XUA
YER
ZAR
ZMW
ZWL

customInfo

string

Required

Any Custom Information about the Merchant

location

object

Required

Merchant Location Information.

address1

string

Required

Merchant Address Line 1

address2

string

Optional

Optional Address Line 2

city

string

Required

Merchant City

country

string

Required

Merchant Country

CAN
USA

locationType

string

Optional

Type of Location of Merchant Business.

Others
P. Res-Prof / Construction
Private Residence
Retail Storefront
Warehouse

zipCode

string

Required

Merchant 5-Digit Postal Code

state

string

Required

Merchant location, 2-character postal abbreviation for U.S. State or Canadian Province.

For U.S. (States):

AK
AL
AR
AZ
CA
CT
CO
DC
DE
FL
GA
HI
ID
IL
IA
IN
KS
KY
LA
MS
MT
MA
MD
ME
MI
MN
MO
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SD
SC
TN
TX
UT
VT
VA
WA
WI
WV
WY


For Canada (Provinces):
AB
BC
MB
NB
NL
NT
NS
NU
ON
PE
QC
SK
YT

owners

array of objects

Required

One or More Merchant Owner(s) Information.

address1

string

Required

Owner Residence Address Line 1.

address2

string

Optional

Optional Owner Residence Address Line 2.

citizenship

string

Optional

Optional Owner Country of Citizenship

ASM
ATA
ABW
AFG
AGO
AIA
ALA
ALB
AND
ARE
ARG
ARM
ATF
ATG
AUS
AUT
AZE
BDI
BEL
BEN
BES
BFA
BGD
BGR
BHR
BHS
BIH
BLM
BLR
BLZ
BMU
BOL
BRA
BRB
BRN
BTN
BVT
BWA
COM
CAF
CAN
CCK
CHE
CHL
CHN
CIV
CMR
COD
COG
COK
COL
CPV
CRI
CUB
CUW
CXR
CYM
CYP
CZE
DMA
DOM
DEU
DJI
DNK
DZA
ECU
EGY
ERI
ESH
ESP
EST
ETH
FSM
FIN
FJI
FLK
FRA
FRO
GAB
GBR
GEO
GGY
GHA
GIB
GIN
GLP
GMB
GNB
GNQ
GRC
GRD
GRL
GTM
GUF
GUM
GUY
HKG
HMD
HND
HRV
HTI
HUN
IRQ
ISR
IDN
IMN
IND
IOT
IRL
IRN
ISL
ITA
JAM
JEY
JOR
JPN
KAZ
KEN
KGZ
KHM
KIR
KNA
KOR
KWT
LAO
LBN
LBR
LBY
LCA
LIE
LKA
LSO
LTU
LUX
LVA
MAC
MDA
MNG
MAF
MAR
MCO
MDG
MDV
MEX
MHL
MKD
MLI
MLT
MMR
MNE
MNP
MOZ
MRT
MSR
MTQ
MUS
MWI
MYS
MYT
NIC
NPL
NAM
NCL
NER
NFK
NGA
NIU
NLD
NOR
NRU
NZL
OMN
PNG
PAK
PAN
PCN
PER
PHL
PLW
POL
PRI
PRK
PRT
PRY
PSE
PYF
QAT
REU
ROU
RUS
RWA
SDN
SPM
SSD
SAU
SEN
SGP
SGS
SHN
SJM
SLB
SLE
SLV
SMR
SOM
SRB
STP
SUR
SVK
SVN
SWE
SWZ
SXM
SYC
SYR
TLS
TCA
TCD
TGO
THA
TJK
TKL
TKM
TON
TTO
TUN
TUR
TUV
TWN
TZA
UGA
UKR
UMI
URY
USA
UZB
VAT
VCT
VEN
VGB
VIR
VNM
VUT
WLF
WSM
YEM
ZAF
ZMB
ZWE

city

string

Required

Owner’s Residence City

country

string

Required

Owner’s Residence Country

CAN
USA

dateOfBirth

string

Required

Owner’s Date of Birth

driversLicense

string

Optional

Owner’s Driver’s License ID Number

driversLicenseState

string

Optional

Optionally Include Owner’s Driver’s License State or Province of Issuance.

For U.S. (States):

AK
AL
AR
AZ
CA
CT
CO
DC
DE
FL
GA
HI
ID
IL
IA
IN
KS
KY
LA
MS
MT
MA
MD
ME
MI
MN
MO
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SD
SC
TN
TX
UT
VT
VA
WA
WI
WV
WY


For Canada (Provinces):
AB
BC
MB
NB
NL
NT
NS
NU
ON
PE
QC
SK
YT

email

string

Required

Owner’s Email

fax

string

Optional

Optionally Include Owner’s Fax Number

firstName

string

Required

Owner’s First Name

id

string

Optional

lastName

string

Required

Owner’s Last Name

middleName

string

Optional

Optionally include Owner’s Middle Name (if applicable).

ownershipShare

number

Required

Percentage of Merchant Business Ownership Controlled by This Owner.

phone

string

Required

Owner’s Direct Phone Number

primary

boolean

Required

Whether or not this is the Primary Owner (controlling the most Ownership Share).

True
False

significantResponsibility

boolean

Required

Whether or not this Owner holds significant responsibility for Merchant Liabilities.

True
False

ssn

string

Optional

Optionally include the SSN or SIN of the Owner.

termsAndConditions

object

Required

Terms and Conditions Acknowledgment and Attestation for Platform usage and Compliance.

acceptDate

string

Required

The Date the Owner accepted the Terms and Conditions

attestation

boolean

Required

Whether or not the Owner has accepted the Terms and Conditions of the Platform.

True
False

date

string

Required

The Date of the Platform Terms and Conditions most recent version.

version

string

Required

The Most Recent Uploaded Version of the Platform Terms and Conditions.

title

string

Required

The Owner’s Official Title within the Merchant’s Business.

zipCode

string

Required

Postal Code of the Owner.

state

string

Required

State or Provice of Owner’s Residence.

For U.S. (States):

AK
AL
AR
AZ
CA
CT
CO
DC
DE
FL
GA
HI
ID
IL
IA
IN
KS
KY
LA
MS
MT
MA
MD
ME
MI
MN
MO
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SD
SC
TN
TX
UT
VT
VA
WA
WI
WV
WY


For Canada (Provinces):
AB
BC
MB
NB
NL
NT
NS
NU
ON
PE
QC
SK
YT

pciCompliance

object

Optional

Optionally include PCI Compliance Information.

pci

boolean

Optional

Whether or not the Merchant is PCI Compliant.

True
False

qsa

string

Optional

Name of Merchant’s PCI-certified Qualified Security Assessor (QSA)

saqDate

string

Optional

Date the Merchant last performed the PCI DSS Self-Assessment Questionaire

saqType

string

Optional

The SAQ Letter Rating provided from the last PCI DSS Self-Assessment Questionaire

SAQ-A
SAQ-A-EP
SAQ-B
SAQ-B-IP
SAQ-C-VT
SAQ-C
SAQ-P2PE-HW
SAQ-D

processingHistory

object

Optional

Breakdown of Merchant Processing Types.

amexVolume

number

Optional

Total of Annual American Express Credit Card Transactions.

annualCCSales

number

Optional

Total of Annual Credit Card Transactions.

annualHighestTransaction

number

Optional

Highest Ticket (Dollar) Amount Transaction Anually.

avgTicket

number

Optional

Average Transaction Ticket Size.

ndxDays

number

Optional

percentBusiness

number

Optional

Percentage of Processing for Business Customers.

percentEcomm

number

Optional

Percentage of Processing for eCommerce Customers.

percentEMVChip

number

Optional

Percentage of Processing using EMV Chip Cards.

percentKeyed

number

Optional

Percentage of Processing through manually keying Cards.

percentNdx

number

Optional

totalVolume

number

Optional

Total Dollar Amount Volume Anually.

transactionsPerMonth

number

Optional

Number of Transactions per Month.

signUpLink

string

Optional

sourceOfCall

string

Optional

options

object

Optional

acquirerId

string

Optional

Acquirer or ICA ID for MasterCard MATCH integration.

Response Parameters

Click here to see details about all Response Body Parameters and applicable valid values.

Parameter

Description

Valid Values

uuid

The Universally Unique Identifier (ID) of the Transaction being reviewed.

the subject field will contain the transaction ID, the action will have and the decisionType field value will show GiactInquiry- displaying the reason for the action field value as BLOCK with the result field value being BLOCK within the results object.

policyUuid

The Universally Unique Identifier (ID) of the GIACT Policy

subject

The Transaction ID of the transaction in question.

action

The result of running the Policy.

results

Giact Inquirt Results Information

decisionType

Displays that the type of the decision, in this case always GiactInquiry.

result

The result of the final GIACT Inquiry decision.

BLOCK
PASS
SKIP


Sample Code Snippets

Request Body

Click here to see a sample code snippet for the request body.
JSON
{
  "uuid": "a341e5e3-8e74-4ad0-92e8-a8ab4d921048",
  "createdBy": "Creator",
  "updatedBy": "updater",
  "createdAt": "2022-09-09 01:09:20.000",
  "updatedAt": "2022-09-09 01:09:20.000",
  "status": "INCOMPLETE",
  "state": "ENTITY_CREATION_INCOMPLETE",
  "ownership": {
      "facilitatorId": "{{ID}}",
      "referrerId": "{{ID}}",
      "merchantId": "{{ID}}",
  },
  "accounts": [
      {
        "name": "account name",
        "number": "123456789",
        "routing": "123456789",
        "debitAuthorizationConfirmation": true,
        "accountType": "billing",
        "primary": true
  },
  "businessInfo": {
      "tradingName": "tradingName 2",
      "website": "https://example.com",
      "seasonal": false,
      "businessDescription": "a business",
      "displayName": "display name",
      "haveEmployees": true,
      "newToCardProcessing": true,
      "payoutSecondaryDescriptor": "secondary billing descriptor",
      "industry": "industry",
      "abn": "abn",
      "donationsPercentage": 0,
      "advancedBilling": false,
      "establishedAt": "19990101",
      "public": true,
      "fullLegalName": "fullLegalName 2",
      "businessEnvironment": "supermarket",
      "donationsOverseas": false,
      "businessType": "Corporation"
  },
  "channel": "Partner",
  "clientIp": "127.0.0.1",
  "communication": {
      "customerPhone": "(999)999-9999",
      "businessPhone": "(999)999-9999",
      "fax": null,
      "email": "name@domain.com"
  }
  "currency": "USD",
  "customInfo": "Custom information about the Merchant",
  "location": {
      "country": "AUS",
      "address2": null,
      "address1": "first line of the address",
      "suburb": "name of the suburb",
      "locationType": "Retail Storefront",
      "postCode": "Post code",
      "state": "ACT"
  },
  "owners": [
      {
        "lastName": "last name",
        "country": "AUS",
        "politicallyExposed": false,
        "address2": null,
        "address1": "first line of the address",
        "driversLicenseState": "ACT",
        "citizenship": "ABW",
        "dateOfBirth": "19990101",
        "title": "title that this Principal holds",
        "ownershipShare": 26,
        "termsAndConditions": {
            "date": "19990101",
            "acceptDate": "199901011212",
            "attestation": false,
            "version": "version of the terms and conditions"
        },
        "driversLicense": "driver's license number",
        "firstName": "first name",
        "phone": "(999)999-9999",
        "middleName": null,
        "zipCode": "12345",
        "state": "CO",
        "id": "b019ea9c-eff9-41ef-ae83-de880f681c80",
        "fax": null,
        "email": "name@domain.com",
        "significantResponsibility": false,
        "primary": true
      }
  ],
  "pciCompliance": {
      "saqType": "SAQ-A",
      "saqDate": "19990101",
      "qsa": "qsa"
  },
  "processingHistory": {
      "percentBusiness": 10,
      "percentNdx": 10,
      "amexVolume": 10,
      "totalVolume": 10,
      "percentEcomm": 10,
      "ndxDays": 10,
      "avgTicket": 10,
      "percentEMVChip": 10,
      "percentKeyed": 10,
      "annualCCSales": 10
  },
},

Response Body

Click here to see a sample code snippet of a response.
JSON
{

    "uuid": "XXX7c-038a-4881-af7d-7c029e022bbd",
    "policyUuid": "XXX90c-6b40-40fe-90e7-406da5d70852",
    "subject": " {txn-id} ",
    "action": "BLOCK",
    "results": [
        {
            "decisionType": "GiactInquiry",
            "result": "BLOCK"
        }     ] }

Portal

The GIACT Check alerts will be shown in the Alerts section of the Merchant Profile page of the Merchant performing the transaction.

Note: Only Facilitators can view the GIACT “Code” field from this page. Referrers and Merchants are unable to view the specific GIACT Check block code. Additionally, Payrix is not permitted to disclose the nature or reason for a GIACT response to Merchants or Referrers.

Below are the possible GIACT Inquiry Check response messages and their desciptions.

Message

Description

SKIP

The data submitted did not meet initial requirements to begin a GIACT review.

BLOCK

The transaction data was reviewed with GIACT and has been declined with an assessed fee.

If a BLOCK is issued from a GIACT Inquiry Check, the Adverse Action Notice Requirement Message (shown below) will be displayed.

PASS

The transaction data was reviewed with GIACT and has been approved with an assessed fee.

Click here to view a copy of the Adverse Action Notice Requirement Message for GIACT Check.

Learn more about this declined transaction-

  1. Check if you have entered correct bank account and routing details.

  2. Check if your bank account is in good standing.

  3. If the details are correct and is 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, GIACT Systems, LLC. However, GIACT Systems, LLC 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 GIACT Systems, LLC 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. GIACT Systems, LLC’s contact information is provided below: GIACT Systems, LLC 700 Central Expy S. Suite 300 Allen, TX 75013 1 (833) 802-8092”


Handling Unsuccessful eCheck (GIACT) Transaction

API Response - GIACT Transaction Status

Below is an example of the Status in Transaction Response for a failed transaction.

CODE
"city": "Pompano Beach",
"state": "FL",
"zip": "33069",
"country": "USA",
"phone": "0005290475",
"mid": "010495182",
"status": 2,
"refunded": 0,

Portal

For end-users, the transaction will initially be attempted. If the transaction is unsuccessful they will have to correct any incorrect or invalid data and try the transaction again.

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