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How Do I Submit Transactions?

SpeedCHEX Electronic Gateway allows you to establish secure automated communications between an Internet software application and the SpeedCHEX check processing system.

Services available to you within the SpeedChex Gateway:

There is No cost or obligation to find out how much you qualify for.

API's for submitting transactions through SpeedChex:

1 - Customer Interface API allows you to simply set a link on your website a customer can click and they will be routed to our servers.

Then we collect the check payment information and then route the customer back to your website (with or without pass-through and other data collected from the user).

This is the easiest and quickest solution to implement.

2 - Express Authorization API allows you to keep the customer on your website during the entire payment process. This means you-d be responsible for collecting all necessary information to process a check transaction.

This entails getting the authorization from our servers on the back-end, and then responding appropriately to the customer. Obviously, this is a little harder to implement. However, it gives you total control over the entire process.

Express Authorization:

Express Authorization is a tool designed for merchants who want to electronically submit individual, fully-formed check transactions and receive an immediate authorization status indicating whether the transaction is approved or rejected.

Merchants who want to use Express Authorization are responsible for collecting and submitting all data associated with an electronic check transaction.

Please see the table titled Electronic Check Transaction Packet Format for a list of all required data fields.

The concept behind the Express Authorization process is fairly simple and doesn't take long to implement.

There is No cost or obligation to find out how much you qualify for.

The following list shows the major steps involved in this process:

How does it work?
01 Data Gathering

Merchants are responsible for collecting and submitting all data associated with a fully-formed electronic check transaction.

02 Transaction Packet Submission

The merchant-s software application uses their HTTPS protocol to submit an electronic check transaction packet over the Internet to a secure URL located on the Electronic Gateway.

03 Transaction Packet Validation

The Electronic Gateway parses the transaction packet for missing data, invalid field values, security violations, etc.

04 Customer Address Verification (optional)

If you-ve activated this feature through your Financial Advisor, SpeedChex will perform address verification on the customer data.

05 Authorization Status Notification

The SpeedChex Electronic Gateway will return an -Authorization Status- in response to the HTTPS request sent by the merchant. This will indicate if a transaction was accepted for processing or rejected.

There is No cost or obligation to find out how much you qualify for.

Other Integration Optons:

There are other options available for automating communications to and from the SpeedChex check processing system. They include Express Authorization, Express Verify, Batch Processing, Transaction Status Tracking, and a simple Customer Interface that can be integrated into any E-Commerce application. Please inquire with your Financial Advisor if you are interested in any of these options.

Batch File Format for New Check Transactions

New check transactions can be batched and uploaded to SpeedChex in a tab-delimited text file. Each transaction in this file needs to be on a separate row and each row must end with a valid end-of-line character (carriage return/line feed).

Data Security and Protection

All transaction data sent to and from the SpeedChex Electronic Gateway is secured during transmission using 128-bit SSL encryption verified by Thawte, a VeriSign subsidiary. The data received by the gateway is ultimately stored on the SpeedChex servers which are protected by a state-of-the-art firewall system and are restricted physically to authorized personnel. Every merchant is assigned a unique Merchant ID, login name, and password that must be included as part of each data packet sent to the gateway. In addition, an IP filtering scheme is used to ensure that transaction packets are only received and processed if the IP address of the computer system sending the transaction fits into the IP address range specified in the merchant's security profile.

Shopping Carts / Integration Documents

At your request, we will email the necessary Gateway documentation and API information required either by your shopping cart provider or e-commerce developer.

For an Interactive Gateway Demo, Click Here


There is No cost or obligation to find out how much you qualify for.


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