Setup GIACT eCheck Verification
Use this article to learn how to setup fees Referrers can assess to Merchants for accepting debit ACH (or eCheck) transactions from customers for GIACT Verification costs.
Below are list of all the activities which are needed to setup GIACT by Payrix team and Partners.
Setup GIACT eCheck Verification Fee on Merchant
View the following articles on setting up fees in the portal.
To enable a Merchant fee for GIACT eCheck Verification:
Select GIACT eCheck Verification from the “When to trigger the fee?” dropdown.
Successful vs. Unsuccessful eCheck (GIACT) Transaction
API Response - GIACT Transaction Status
Below is example for Status in Transaction Response for a failed transaction.
"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 need to will have to correct any incorrect/invalid data and try the transaction again.
Clicking on the button multiple times, will generate failed transactions but we will call GIACT only first time. The recurring transaction related changes are working as expected in production.
Note: Clicking on the button multiple times, will generate failed transactions but we will call GIACT only first time. The recurring transaction related changes are working as expected in production.
Checking GIACT Check Alerts for Merchants
API Request - Policy Run Summary
We have created the new endpoint (below) which can be utilized to run a GIACT policy check on a given transaction or set of transactions.
A sample response of this call is shown below, the subject field will contain the transaction ID , the action will have the result of the policy and the decisionType field value will show GiactInquiry- displaying the reason for the action field value as BLOCK with theresult field value being BLOCK within the resultsobject.
BaseURL: https://apiv2.payrix.com/risk/v2/decision
Endpoint: /policy-run-summary
GET https://apiv2.payrix.com/risk/v2/decision/policy-run-summary?stage=auth&transactionId={txn-id}
Query Parameters:
Parameter | Type | Required | Notes |
|---|---|---|---|
| string | Required | Valid values are transactions that have taken place on the platform and follow the alphanumeric string format. |
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.
Sample Response
{
"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 desired Merchant Profile (Merchants>Merchant Profile page>Alerts section).
Note: Payment Facilitators only can view the GIACT Code from this page.
Referrers and Merchants are unable to view the specific GIACT Check block code.
AAN Requirement for GIACT Check
If a block is caused by the GIACTInquiry check, the following AAN Requirement message will be displayed:
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”