Now you can safely accept checks on your web page, have the checks guaranteed, and deliver your service or product immediately without confirming or printing an actual check. (Available only for United States of America checking accounts with U.S. funds)

CrossCheck offers two programs to choose from that allow you to do this:

ScriptURL Program–

For simple development purposes, you can use our ScriptURL program. With this, you will "link over" your customer from your web page to http://cross.checksbynet.com so they may write a check to you and return to your web site. At the same time you are sending the customer to us, you may tell us where you want to send the customer once they finish writing the check. When the customer returns back to you, we will include the status of the transaction. ChecksByNet takes care of the error checking on the transaction and lets you know whether the check receives an approval or not. When the customer finishes writing the check, we will send them to the URL you specify along with the status of the transaction.

Response Program –

With ChecksByNet’s Response program, you can integrate ChecksByNet fully into your web site by posting all the check information your customer submits to http://cross.checksbynet.com in one full URL. By doing this, you will need to check for any errors when asking for the check information. When posting the check information to our Response Program, we will return a response, or multiple responses for a result. Depending on the response, your script will check the responses and inform your customer that the transaction was successful or provide information regarding the status of their entry. The Response Program is appropriate for merchants that do not want their customers to "link over" to a different web site and/or want the continuity of the design of their web site.

ChecksByNet can now be utilized to inform your script or program when a customer’s check receives an approval or decline from CrossCheck. At the same time, you can direct a customer to any URL, depending on the response received from CrossCheck. By directing your customer to us, we will take care of all the error checking while your customer is writing a check. You need to place the URL to ChecksByNet on your web page, and specify a URL after the "ScriptURL" parameter at the end.

The following are instructions for setting up ScriptURL:

• Include this image on your web page as a link: You can locate this image at http://www.checksbynet.com/media/littlechecks.gif.

• Hyperlink this image to this address:

https://cross.checksbynet.com/consumer/ checks.asp?paytoid=##########&scriptURL=URL

1. After "?paytoid=" put in the unique identifier number created for you by CrossCheck. The checks will be paid to the order of your DBA name based on this number. (Unless you specify a different pay to the order of name, it will be your DBA name assigned with CrossCheck.)
2. After "&scriptURL=" include the complete URL that will check for one of the five responses and act on it.

Optional: After "?paytoid=" you can specify "&gather=ON". This will send all the information the customer filled out to the scriptURL you specify, along with the response code.

Example of HTML code

Must be entered within the body of html:

<a href="https://cross.checksbynet.com/consumer/checks.asp? paytoid=##########&scriptURL=https://cross.checksbynet.com/ answer.asp?ordernumber=12345>
<img src="http://www.checksbynet.com/media/littlechecks.gif">
</a>

ChecksByNet will append one of the following responses you specified for ScriptURL:

When the customer completes writing their check, they will need to agree to our authorization agreement before directing them to the ScriptURL. Once the customer clicks on the "I Agree" button, we will direct the customer to the "ScriptURL" you specified, and append a response code to it. You can check for only "RSP0000," within the query string, and provide the customer your product or service immediately. If you do not receive "RSP0000," such as "RSP0001," please inform your customer what to do to find out why their check was not approved by using our decline information, then you may provide your customer a different payment method.

Look at the following example at: http://cross.checksbynet.com/responsecheck.htm

Use the example above for the "ScriptURL" field on this page to see the result. This will direct you to "answer.asp" which simply checks for one of the 5 responses from the query string and displays a message relating to the response.

Last Modified: 06/12/06

How ChecksByNet Response Works

ChecksByNet Response will allow you to integrate ChecksByNet into your web site without having to "link over" to ChecksByNet. You will have full responsibility of creating the necessary page(s) along with the required information we provide to you. You will gather all of the check information (available only for United States of America checking accounts with U.S. funds) from the customer on your web site, then post it to ChecksByNet from a form. ChecksByNet’s response code or multiple response codes will be redirected back to you with the response(s) appended at the end of the query string. You will need to write a custom application to act on a response issued from ChecksByNet. Depending on the response(s) received, you will need to create the corresponding response page(s) and display them to the customer.

For Testing

Use this location to see how a response code is passed back:

ChecksByNet’s test check page for a personal check is at http://cross.checksbynet.com/responsecheck.htm.
This form will post all the values to ChecksByNet and send it to a fictitious store named "Valued CrossCheck Merchant." The store's PaytoID number is placed after the hidden value "paytoid=". CrossCheck references the merchant’s store number from the PayToID number; do not use the store number in this field. All response codes will be sent back to your server recognized by your "paytoid" number.

Note: It is required that all of the check information is posted to ChecksByNet from a form. If a CGI program cannot post the information to ChecksByNet, you will need to generate a form from that program. This way they can verify the results, and submit these results from this form to ChecksByNet.

To perform a test transaction, complete the form with the required information. Depending on the test being performed, enter the following values for the routing number, account number, and driver’s license number:

Testing:
Use check number: 123
For Driver's License State enter: ZZ
For Driver's License Number enter: 12345
For Personal MICR enter: S123456780S123456789S123
For Business MICR enter: S123SS123456780S123456789S

Check Amount:

Please use $2.00 for test check transaction amount as much as necessary when testing.

To test with your "paytoid" number for a test response:

Use check number: 123
For Personal MICR enter: S123456780S67890S123
For Business MICR enter: S123SS123456780S67890S
For Driver's License State input: ZZ
For Driver's License Number input: 12345

Required Fields:

MICR number must be entered from the bottom of the customer's check starting from left to right. We suggest they enter "S" for each symbol they encounter; however any nonnumeric character can be entered. Please refer to test check pages for examples.

You can also accept business checks for your company.
ChecksByNet’s test check page for a business check is at http://cross.checksbynet.com/responsebusiness.htm. If accepting both business and personal checks, please give the customer the option to either write a business check or a personal check before they enter any check information. Two separate forms will need to be created; one for a business check, and one for a personal check. Please copy the wording from our business test check page. Notice that a business check contains a "writername" field, and not a "writerfirst" or a "writerlast" field.

Note: A test response cannot be issued on a business check for your "paytoid" number. Please notify ChecksByNet Support if you would like to test for a business check transaction using your "paytoid" number.

It is important that each text field has the required field name for ChecksByNet to recognize them.

RESPONSE INFORMATION

An approved check will send back "RSP0000,######," where "######" is the 6-digit approval number for the check. If the check is declined, response.asp will issue the following response: RSP0001. If a field is blank or has invalid information, additional response codes will be issued all on one line, (see Table A below). At this point, an application on the merchant’s server will create a responding page for the customer depending on the returned response codes.

TABLE A:
Transaction conclusion responses

If a "Test Complete" response is passed back (RSP0010,), this page will display with the following query string:

https://cross.checksbynet.com/ response.asp?paytoid=##########&response=RSP0010,

RSP0010,

Your application will need to take the response from this page and act on it accordingly.

One or multiple responses can be received. If a customer leaves any of the fields blank, or enters an invalid ID, Account Number, Routing Number, etc., response(s) will be issued for each invalid or blank field.

Field validation responses:

Note: Do not ask for a bank account or a bank route. The bank routing number and account number are checked based on the MICR number that is sent. If an invalid bank route and/or bank account is given from the MICR field, then you will receive a "RSP1311," if it's an invalid bank route, and a "RSP1312," if it's an invalid bank account.

Required URL Format:

The form must be in the form handling method "POST" – and sent to:

<form method="POST"

action="https://cross.checksbynet.com/response.asp">

<input type="hidden" name="paytoid" value="##########">

or

<form method="POST"

https://cross.checksbynet.com/response.asp?paytoid=##########"

Additional Fields

To direct where the results are to be sent to, you can add an additional field, "ScriptURL." When including the additional field "ScriptURL," it should contain the path to your script or program. ChecksByNet will re-post the information to the URL specified after "ScriptURL," in which the customer will be delivered to the specified URL along with our response(s) appended at the end.

Example:

<form method="POST"

action="https://cross.checksbynet.com/response.asp">

<input type="hidden" name="paytoid" value="##########">

<input type="hidden" name="ScriptURL" value="https://www.domain.com/merchantapp.pl?OrderID=123">

or

<form method="POST"

action="https://cross.checksbynet.com/response.asp?paytoid =##########&ScriptURL=http://www.domain.com/ merchantapp.pl?OrderID#1234567">

Example result:

https://www.domain.com/merchantapp.pl?OrderID=123&response= RSP0000,123456,

The memo field will print a record number on the check. You can add additional information in this field if preferred (30 characters max.)

Example:

<form method="POST"

action="https://cross.checksbynet.com/response.asp">

<input type="hidden" name="paytoid" value="##########">

input type="hidden" name="memo" value="Text up to 30 chars. Max" >

or

<form method="POST"

action="https://cross.checksbynet.com/response.asp? paytoid=##########&memo=Text up to 30 chars. Max ">

Rules on ChecksByNet Response Integration

• It is important to apply similar wording and format when asking for the check information from the customer. If you are asking for check information from a business, please refer to this page: http://cross.checksbynet.com/responsebusiness.htm . If your "payto" name is used other than "Valued CrossCheck Merchant," that account will be charged for the transaction. Please contact ChecksByNet Support if you would like to test for a business transaction on your account.

• Be advised that most fields for ChecksByNet are required from the customer. Do not include any personal information automatically for them; you may however include the check amount.

• It is required that you email your customer a confirmation of the check transaction including as much detail about it.

• State who the checks are being paid to (which will be the merchant’s "payto" name) when asking for the dollar amount.

• Include pictures of the MICR symbols when asking for the Account and Routing numbers.

• We encourage you to bold the key words on each field description for easier readability.

Agreement Information

Copy and paste this agreement:

This must appear before the "I Agree" button. Also provide a picture of a check describing a general concept of where the check routing number, check account number, and the check number occur to assist the customer in filling out the required check information.

Decline Information

If RSP0001 (Decline) is displayed, the message that the merchant needs to display should be similar to this:
(Note: If you have your account setup to print declined checks, you may want to modify this display.)

Please use this information when notifying the customer their check has been declined. We encourage the customer to write to CrossCheck to find out why their check has been declined. They should also be instructed to choose a different payment method at this time.

If you have any questions or need assistance, please call ChecksByNet Support at 1-800-552-1900.