How Phone Payments Work

  1. Simply key-in the required routing information to a Virtual Terminal as part of your ordering process.
  2. Hand-enter the information to populate data fields. Hit “Enter” and the transaction validation begins!
  3. The gateway will verify the check writer data against the National Check Network (NCN) database. Any checks with a “decline” response are not processed and you will receive a message. An authorization will be given on credit card transactions.
  4. Transactions are submitted to the ACH network. Gateway batches all checks at 1:00 a.m. Central Time daily.
  5. Funds are automatically deposited in your Commerce Bank account within 3 business days.