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-

Check if you have entered correct bank account and routing details.
Check if your bank account is in good standing.
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.