How the Authorization Process Works with ForteVerify

How the Authorization Process Works with ForteVerify

For ACH transactions, it is helpful to understand how the PG system works with ForteVerify, and how authorizations are approved based upon the responses received.

Within the PG system, you may set up multiple levels of account verification for ACH items. Each ForteVerify level described in the previous pages is one action available to use in setting up your verification model, and actions can be strung together to obtain the results you want.

In all cases…if the final response is positive, UNK, or account is not found the transaction will be APPROVED. If the final response has negative reports, the transaction will be DECLINED.

Example: Account verifications can be performed in order you prefer:

In this example, the client has chosen to use only ForteVerify Levels 2 and 4, so the system is set up to look only to those levels for verification.

Action 1 Perform ForteVerify Level 2
Result 1 Response UNK received, or account is not a participant,

This model specifies the PG system should go to…

Action 2 Perform ForteVerify Level 4
Result 2 Response received.