Setup GIACT eCheck Verification
GIACT uses gVERIFY®, which provides real-time status updates for business or customer accounts to validate them before 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.
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 |
|
HTTP Method |
|
Full HTTP Request |
|
Required Header | Valid Values | Notes |
---|---|---|
|
|
|
|
| This can be found on the Portal Settings page. |
|
| User your login ID that begins with |
|
| Deprecated field, |
Query Parameter | Type | Required | Notes |
---|---|---|---|
| string | Required | Valid values are transactions that have taken place on the platform and follow the alphanumeric string format. Example: Note: The Transaction ID entered here will also appear in the |
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.
Tip: To run this call in the Sandbox, simply update the base URL to https://apiv2.stage.payrix.com/risk/v2
. See Policy Run Summary Sandbox Testing below for more information.
Policy Run Summary Response Parameters
The expandable content below gives more in-depth information about the specific parameters available and required in the response body:
Policy Run Summary Response Body Example
GIACT Alerts in the Portal
The GIACT Check alerts will be shown in the Alerts section of the Merchant Profile page of the Merchant performing the transaction.
Below are the possible GIACT Inquiry Check response messages and the descriptions.
Message | Description |
---|---|
SKIP | The data submitted did not meet the initial requirements to begin a GIACT review. |
BLOCK | The transaction data was reviewed with GIACT and has been declined with an assessed fee. |
PASS | The transaction data was reviewed with GIACT and approved with an assessed fee. |
Learn more about this declined transaction-
Check if you have entered the correct bank account and routing details.
Check if your bank account is in good standing.
If the details are correct and are 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.
"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.
Policy Run Summary Sandbox Testing
Creating a test transaction to execute a Policy Run Summary is done in two parts:
1. Create a new Transaction using testing trigger payment method values.
Process a POST request using the /txns
endpoint, with the following values in the payment
object within:
2. Use the returned id
response value to execute the Policy Run Summary
Result: You’ve now successfully created a test GIACT action response to either Block, Hold, or Reserve funds for a transaction, as well as allowing the transaction to process as normal, being marked for further review at a later time.
Example Response: