eCheck Migration Guide

Introduction

We will be migrating the internal system of eCheck. Your existing integration and reporting API do not change. The following will change:

• How you view and search transaction activity
• How you view your balance, adjustments and reimbursements
• How you update VIPs

After the migration date provided to you, you will no longer be able to access the Instadebit portal. Where you look depends on when the transaction occurred, relative to that migration date. See the "Function Map" section for more details.

Navigating Between Reports

• All transactions and information after your migration date are under the relevant pages in the eCheck navigation menu
  • All data before your migration date is under Legacy Reports
• Activity on your migration date is treated as after.

If you are unsure when this date is, your migration date is shown on both the Transactions and Legacy Reports pages.

Function map

Find and inspect a transaction

In Instadebit you used Transaction Report to generate a report of transactions and inspect a row.

Transaction occurred before migration: use Merchant Portal eCheck→ Legacy Reports →Transaction Details. Same job as Instadebit Transaction Report.

After migration: use eCheck → Transaction views. Click a row to open Transaction details to see additional information about a transaction.

Legacy Transaction Details columns map as follows for new activity:

Search for a transaction

In Instadebit you used Transaction Search with Merchant Txn ID, bank account last digits, customer last name, or trace #.

Transaction occurred before migration: use Merchant Portal eCheck → Legacy Reports →Transaction Search.

After migration: search in eCheck → Transaction views. Use:

• Transaction ID
• Your transaction or order reference. (merchant transaction reference)
• Customer Transaction Reference (formerly known as Trace #)
• Customer name, business name, or your merchant customer reference

You will no longer be able to search by

• Bank Account
• Bank Statement (use transaction date)
• Bank Statement Amount (use amount)

View returns

In Instadebit you used Return Report.

Transaction occurred before migration: use Merchant Portal eCheck → Legacy Reports → Returns.

After migration: returns are rows in eCheck → Transaction views. Filter by status Returned, then open the row and see Return details for the bank's return reason, the return date, and the return fee. Returns are recorded automatically, so there is no separate Returns report for new activity.

The Instadebit Return Report showed FI Settlement Date, FI Settlement Amount, and Report Date. Return details shows the date we recorded the return and the date we processed it. The returned amount is the transaction amount, because EFT returns are always for the full amount.

Review batch activity and upload a batch

In Instadebit you used Upload Batch to submit a payment file, and Batch Report to review daily batch totals.

After migration: eCheck will no longer be processed in batches. You do not upload batch files, but you will be able to view historic batches using eCheck → Legacy Reports → EFT Batch

Daily Summary

In Instadebit you saw summary report of merchant daily activities.

Transaction occurred before migration: will be in eCheck → Legacy Reports → Daily Summary.

After migration: For all transaction after the migration this information will be shown under eCheck → Daily Balance. The main difference is that in the Daily Balance report each row corresponds to a day, and daily summaries by transaction type are contained in each column.

More information on this report can be found here

Account balance

In Instadebit you can view a merchant account’s current balance and settled funds across all categories, reflecting daily end-of-day settlement.

Information before migration: will be eCheck → Legacy Reports → Current Balance

After migration: This information will be shown under eCheck → Daily Balance

We are removing the Period columns and Reserves. Now it is all broken down by day, and not by PayIn Period and Payout Period.

We will be no longer using the concept of available balance, we will be displaying aggregate balance. The formula is as follows:

Aggregate End Balance - Aggregate Start Balance == Payins + Payouts + Adjustments + Fees

Payins include pending payins. Payouts include completed payouts only. Payouts and fees are negative.

More information on this report can be found here

Adjustments

In Instadebit you used the adjustment report to see history of adjustments to your account.

Information before migration: will be under eCheck → Legacy Reports → Adjustments

After migration: for all adjustments after will be using eCheck → Adjustments

The new Adjustment report after migration will no longer have the following columns

• Adjustment Type (no longer provided)
• Transaction Type (all types are adjustments in this report)

Reimbursements

In Instadebit you used the reimbursement report to see the history of reimbursement to your account.

Information before migration: will be under eCheck → Legacy Reports → Reimbursements

After migration: reimbursements are in eCheck → Settlements. In Instadebit, a reimbursement covered payins and payouts over a date range. After migration it is a single negative adjustment, not tied to a date range, and the report uses the same format as the Adjustments report.

EFT VIP limits

You can no longer configure these after the migration date via a self-service tool. Any change must be communicated to our risk team at [email protected].

Merchant VIP

To add or change VIP, use the merchant configuration page.