 ACH Rules for WEB Merchants
INTERNET-INITIATED
(WEB) ENTRIES
A debit entry to a Consumer Account initiated by an merchant
pursuant to an authorization that is obtained from the receiver
via the Internet. There are two components of the definition
that are important to address:
the WEB type is only appropriate to use when initiating debit
entries that have been authorized by the buyer via the Internet.
An authorization that was obtained from the receiver in person,
through the mail, or over the telephone in order to effectuate
an Internet payment is not to be initiated as a WEB transaction.
Credit entries
cannot be initiated except for reversals of WEB debit entries.
The seller, prior to initiating a WEB debit entry, must obtain
authorization from the consumer. This authorization:
1. Must be displayed on the computer screen
2. Should be printed and retained by the consumer
3. Must be submitted by the consumer and not by a third-party on
their behalf.
4. Must be similarly authenticated, which means it must provide
assurance of authentication similar to that of a paper-based
signature
Authenticating a consumer requires obtaining unique information
known only by the consumer (such as social security number, date
of birth, driver's license number or mother's maiden name) and
verifying that information against a national database such as
Equifax.
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