Since our gateway generates and stores a billing agreement on file for a client once they’ve initially paid with our gateway – and uses this billing agreement to charge the client on a recurring basis for future due invoices, there is the chance for a scenario where the client doesn’t have sufficient funds in their PayPal account, and an eCheck payment occurs – if the client has a valid bank account set up as a Backup Funding Source.
Firstly, the setting to control accepting eChecks or not can be set in your merchant PayPal account under Selling Tools. You can turn this on or off to choose whether or not to accept eChecks.
If you are accepting eChecks, our gateway gives you the option to handle them in two ways. This option is controlled in Setup > Addon Modules > MyWorks PayPal > E-Check Support.
If enabled, the E-Check Support option will mark invoices that are paid with an E-Check as PAID when the transaction happens. This is generally the recommended setting, as if left marked unpaid, it can confuse clients and admins as to the payment status of this invoice.
If disabled, the E-Check Support option will leave invoices marked as unpaid until the E-Check clears – which our gateway is notified of via IPN (set this up in Addons > MyWorks PayPal > IPN Setup). Once the eCheck has cleared, the invoice will be marked as paid in WHMCS. You can track the status of a pending eCheck in Addons > MyWorks PayPal > Summary > eChecks.