USA - eDDR Requirements
- Joseph De Jesus IV
GUIDELINES
Bank Debit
The title of the page capturing the bank details:
“Authorization for Direct Payment via ACH (ACH Debits)”
The page is to display:
“I/we hereby authorize that IntegraPay LLC, acting as billing agent for [Business Name] to electronically debit my account at the Financial Institution I have provided”
Banking information:
Bank Name
Routing Number
Account Number
Indicate check or savings
Amount of Debit or indicate method of determining the amount of the debit:
$xxx.xx or “The amount invoiced for the period of service”
Date and/or Frequency of debits
The following words MUST form part of the agreement, usually above the signing box or agreement indicator:
“I agree that ACH transactions I authorize comply with all applicable laws.”
“I understand that this authorization will remain in force and effect until I notify the [Business Name] that I wish to revoke this authorization. I understand the business requires at least [number of days] days prior notice in order to cancel this authorization.”
“I/we consent that this authorization is to remain in force in accordance with the Payment Arrangements outlined on this Authorization and the Service Agreement. I/We have read and understand the same.”
Direct Debit Terms & Conditions PDF is attached here.
Upon submit, Customer is to be emailed a copy of the details entered and agreed to in a single page (masking card and account details), This document must be identifiable by a unique “Receipt Number”, this must be visible on all emails, and each email must be able to be reproduced when required. Attached must be a copy of the Direct Debit Terms and Conditions, listed above.
Important Note on ACH Debits
A non-changeable document of the above must be provided to the account holder.
This document will need to be retained by the merchant for a period of no less than 7 years from the date of the last debit.
This document must be able to be sent to IntegraPay upon request or in the event of a chargeback.
Card Debit
The title of the page capturing the bank details:
“Authority to Debit from Card”
Disclosure to Cardholder and Cardholder Consent
When entering into a Cardholder agreement, all requirements related to the specific Transaction type listed below must be clearly displayed at the time that the Cardholder gives their consent and must be displayed separately from the general purchase terms and conditions.
Items below may be achieved by following through separate pages of the web site, without leaving the site until payment is to be affected. The Merchant must provide, and the Cardholder must consent to, all of the following in writing at the time of the first or only partial prepayment:
Description of promised merchandise or services
Terms of service
Timing of delivery to Cardholder
Transaction amount
Total purchase price
Terms of final payment, including the amount and currency
Cancellation and refund policies
Date and time that any cancellation privileges expire without prepayment forfeiture
Any associated charges
For recurring payments, the merchant MUST establish an agreement with the Cardholder that contains all of the following:
A truncated version of the Stored Credential (for example: last 4 digits of the Card Number), as it may be updated from time to time
How the Cardholder will be notified of any changes to the agreement
The Transaction amount or a description of how the Transaction amount will be determined
The Transaction currency
Where surcharging, acknowledgement of any surcharge assessed
The location of the Merchant Outlet
In addition, for Installment Transactions, both:
Total purchase price
Terms of future payments, including the dates, amounts, and currency
Important Note on Recurring Card Debits
A non-changeable document of the above must be provided to the cardholder.
This document will need to be retained by the merchant for a period of no less than 7 years or for 2years after the date of the last debit.
This document must be able to be sent to IntegraPay upon request or in the event of a chargeback.