CashBox Portal User Guide
CashBox for Salesforce
ECP Recurring Billing
The following diagram describes the Payment Capture flow for recurring billing when customers provide a Payment Method of Electronic Check Processing (ECP).
Payment Capture Flow: Recurring Billing and Electronic Check Processing
For recurring billing with ECP:
- CashBox sends a Pre-Bill, End of Trial, or Expiration notification.
- CashBox performs an internal validity check to ensure Account and Payment Method information meets an internal consistency check.
- If the transaction passes the validity check, processing continues.
- If the transaction fails, then CashBox sends a Hard Failure notification.
- If the customer opts out of the subscription via the merchant’s customer self-service portal after a Pre-Bill notification has been sent, then CashBox sends a Cancellation notification.
- The merchant defines how many days before subscription expiration that billing should be attempted. For as long as a customer does not opt out of a subscription, CashBox continues to submit a billing transaction to the payment processor.
- If a transaction fails the CashBox consistency check or if a failure is received from the payment processor, CashBox sends a Hard Fail notification.
- When the transaction is successfully deposited, a Success notification is sent, and the AutoBill is given a status of Authorized Pending. A merchant application can entitle a customer at this time, or require that the customer wait until the transaction is successfully captured (that is, no decline is received for the deposit, a period of time that for the current ECP implementation takes six banking days).
- The payment processor submits the transaction to the appropriate ACH or CPA network.
- Following network rules, the funds are deposited into the merchant's account, or the payment network notifies CashBox of any declines.
- If the deposit is not declined after the payment-processor specific number of banking days, then the transaction is marked Captured.
- If the deposit is declined due to insufficient funds, the payment processor retries the deposit based on a merchant-defined number of days, and CashBox then waits another deposit cycle (that is, six banking days).
- If the customer's transaction is declined, the transaction is marked as a Hard Fail and CashBox sends a Hard Fail notification.
- If a transaction is refunded, CashBox sends a Refund notification.