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Introduction to the eCheck Service {#echeck-txnprocess-intro}
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The eCheck payment service enables merchants to accept electronic check payments using a variety of methods, including mail, telephone, and online orders.  
There are two main types of eCheck transactions:

* A charge is initiated to take money from a customer's bank account and transfer it to the merchant's bank account. Most eCheck transactions are ACH charges.

* A credit or refund is initiated to transfer money back to the customer's bank account.  
  eCheck information can be used in a range of reports. For further information, see these topics:

* [Fields in the Funding Details Report](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/echeck/user/all/rest/echeck-user-guide/echeck-reports-recon/echeck-reports-recon-funding/echeck-reports-recon-funding-fields.md "")

* [Fields in the Chargeback Details Report](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/echeck/user/all/rest/echeck-user-guide/echeck-reports-recon/echeck-reports-recon-chargeback/echeck-reports-recon-chargeback-fields.md "")

* [Fields in the Deposit Details Report](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/echeck/user/all/rest/echeck-user-guide/echeck-reports-recon/echeck-reports-recon-deposit/echeck-reports-recon-deposit-fields.md "")

* [eCheck Reconciliation Reporting Case Study](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/echeck/user/all/rest/echeck-user-guide/echeck-reports-use-case.md "")

Requirements for Using the eCheck Service
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The eCheck service is available to eligible Visa Acceptance Solutions merchants that meet one of these two requirements:

* US citizens or residents who are at least 18 years of age and have been issued a Social Security number.
* United States or foreign-based corporations that use the eCheck services only for customers using US bank accounts and that hold and maintain a bank account in the United States with a US-based financial institution.  
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