1. US NACHA User Guide
  2. NACHA Payments
  3. NACHA Credit Transfer
  4. Credit Outbound Transaction Processing
  5. External Credit Approval Check

External Credit Approval Check

The payment amount and charge/tax amount are sent to the external DDA system for credit approval.

External Credit Approval is done for all the external accounts for which the ‘External Credit Approval Required’ flag is enabled. ECA system for the credit check is derived based on the External Account maintenance.

If the ECA response status for a payment transaction is 'Approved', then further processing continues. If ECA validation fails i.e. the status is 'Override', 'Rejected', or 'Timed out', then the transaction is logged in the ECA Exception queue.

Note:

The external ECA system does customer and account status checks along with account balance checks.

Parent topic: Credit Outbound Transaction Processing