6 Common Computer Error Messages In Echeck Processing

By: Kay Fione

When your business subscribes to echeck processing service, you will perform business transaction using some peripheral equipment and largely with Internet connected computers. Basically, this means that you will accept checks from customers, convert these echecks to electronic format, and then send them to your processor for processing with a click of a button. It's that simple.

However, echeck processing transactions do not always to smoothly. Glitches will sometimes happen. You will encounter error messages which may appear too cryptic for you. As a merchant, you should know the meaning of these error messages and how to resolve them.

Below are some computer errror messages you are bound to encounter with echeck processing:

1.)Timed Out
There was considerable delay before you click the “ Submit” or “ Send” button of the transaction. The program cancels the action before it was sent. Re-submit the transaction and that should do the job.

2.)Unable To Establish Connection To Check Processor
Either your computer experiences Internet connetion problem or your that check processing company's server could not connect to your PC. This mechanical glitch happen once in a while. Just wait for some minutes and re-try the transaction.

3.)No Response From Processor
You void some transactions in the batch you attempt to send. Therefore the program cancels such action and renders it incomplete. You simply have to re-submit the transaction.

4.)Error in MICR
When you convert a paper check to electronic check, the resulting echeck format has a bar code that contains the check account number and its check routing number. A missing digit in the account or check routing number will trigger a MICR error. Carefully check again these numbers. Chances are you just miss a digit. But in case the errror persists, call up your customers and verify the correct check account and routing numbers. That should solve the problem.

5.) Returned ( RDFI) Not Qualified To Participate
You have a customer that pays you by check. This customer maintains a checking account in a particular bank. Unfortunately, this customer's bank is not a member of the ACH network. So you get the “ Returned ( RDFI) Not Qualified To Participate” error message. Sometimes, this also means that your customer disables any electronic debit transactions from his account. Just call up the customer and update him regarding his check's status. He can the authorize his bank to permit the electronic withdrawal of funds from his checking account into your merchant account.

6.)Mail Delivery Not Sent
The protocol of sending and receiving of email between your PC and that of your processor's computers was not configured correctly. If you are a savvy PC user, you simply go to the settings, check the necessary boxes, and click OK. If you do not know configuration settings, better call your processor's helpdesk and tell them your problem. Either they will give clear, step-by-step instructions or they will go over your PC and configure the settings correctly.

There are still other error messages you will encounter with echeck processing service. Better familiarize yourself now with the meanings of these error messages and how to deal with them than lose considerable time and resources in solving them later on. You will be doing yourself a great deal of favor this way.