ECHECK being declined for 103 response reason code

[Robert_Harper]

I'm sending an ECHECK message with, what I can tell from the samples should be a fully filled out message. Looking up the response reason code, 103, it says something about not providing a password. The problem is, that I don't seen anywhere in the API or samples where a password is used.

Here's the raw response.

1.0|3|103|This transaction cannot be accepted.||P||0|B4EACCE9DC4FE33547830184B7DEF02E|||||||||||||

Any ideas or is this just an account configuration thing?

[Robert_Harper]

Actually, I'm not sure. I don't recall a lot of options when I originally set up a test account.

Do I have to start all over or can I just add one?

[RaynorC1emen7]

Need to start over. as it can be change once it is created.

[Robert_Harper]

I've created a new account, ensuring that I selected the CNP type. Now I get a different set of repsonses. Is there a separate account type for EChecks? Are the developer accounts only allowing CC transactions?

03/05 09:46:06.570 Successfully posted a payment
03/05 09:46:06.572 x_delim_data=TRUE&x_delim_char=%7c&x_type=AUTH_CAPTURE&x_bank_acct_num=555666&x_bank_aba_code=043000261&x_bank_name=Unknown&x_recurring_billing=FALSE&x_bank_acct_type=CHECKING&x_bank_check_number=1234&x_echeck_type=TEL&x_bank_acct_name=JOHN+DOE&x_first_name=JOHN&x_last_name=DOE&x_address=6671+SOUTH+REDWOOD+ROAD%2c+SUITE+201&x_city=WEST+JORDAN&x_state=&x_country=USA&x_zip=84084&x_phone=8012658800&x_amount=1.25&x_cust_id=64u8A4VsNC&x_version=1.0&x_response_format=1&x_method=ECHECK&x_login=64u8A4VsNC&x_tran_key=5YTRm84HtZyf6457&x_description=CT+Center+Payment&x_relay_response=FALSE
03/05 09:46:06.575 Raw response
03/05 09:46:06.576 3|1|246|This eCheck.Net type is not allowed.||P|2185444627||CT Center Payment|1.25|ECHECK|auth_capture|64u8A4VsNC|JOHN|DOE||6671 SOUTH REDWOOD ROAD, SUITE 201|WEST JORDAN||84084|USA|8012658800||||||||||||||||E25A3C70670AB889F49233F20ACDF422|||||||||||||XXXX5666|Bank Account||||||||||||||||

I've commented out setting the device type and markte type in the message. I can't find a list of valid types, but when I set the market type to 2, as shown in all examples, the service complains that the market type is invalid for an ECheck.

When I search the E-Check PDF for market type, the search comes up empty.

[RaynorC1emen7]

I think for test account, not all x_echeck_type is enabled by default

read this.

http://community.developer.authorize.net/t5/Integration-and-Testing/How-to-solve-This-eCheck-Net-typ...

market type to 2

market type setting is for CP account only.

[Robert_Harper]

I've sent them a request for a change to allow the TEL check type.

So if I understand you correctly, I souldn't be setting the market type for the CC processing either since I am a CNP user, correct?

[RaynorC1emen7]

So if I understand you correctly, I souldn't be setting the market type for the CC processing either since I am a CNP user, correct?

Yes.