One-time TEL Transaction Authorizations

Typical Uses: Phone order of goods and services, or for bill payments made via phone. For example:

• Purchasing an item from a catalog.

• Paying a utility bill received via mail or email.

• Making a deposit on goods or services to be delivered/performed at a later date.

• Making a charitable donation.

How to Authorize: There are two ways to authorize a TEL transaction, which may be used together or separately.

• Voice Recording

• Notify the caller that the call is being recorded.

• Clearly state the particulars of the transaction-- Use the following as a template:
  
  I want to confirm that today {insert current date} you are authorizing {insert your company name} to initiate a one-time ACH debit from your bank account for {amount} on {date}. If you have any questions about this debit you can reach us at {insert your business phone number}. Please say “I agree” to authorize this transaction. 

• Make certain that you hear the customer say “I Agree.” Silence does not constitute authorization.

• Send an email receipt as described below. (Optional)

• Save the tape of the authorization for at least 90 days and up to 2 years (if you don't send a receipt).

• Email, Mail, or Fax Confirmation (You must prove the confirmation was sent, you're not required to prove it was received.)

• Send an email, fax, or mailed confirmation BEFORE the transaction is submitted to the bank.
  NOTE: Automated email receipts from ReceivablesPro ALWAYS get sent before the transaction is submitted to the bank.

• Make sure the email contains the customer's name, the last 4 digits of the bank account number, the transaction amount, the date it was authorized, the date it will be processed, and a number where the customer can contact you. The default TEL receipt in ReceivablesPro contains all of the required elements.

• Keep a copy of the receipt on file (for emails, CC or BCC to your email address) for 2 years.

What ReceivablesPro Does For You:
When you check the “Send a receipt to the customer” checkbox in the TRANSACTION RECEIPTS section of the Settings--> Configuration--> Email Preferences and Templates screen, ReceivablesPro automatically sends receipts for ACH TEL transactions to the address entered in the Email field for the Customer Record. When you check the “Send a receipt to my company at” checkbox and enter your email address in the field, in the TRANSACTION RECEIPTS section of the Settings--> Configuration--> Email Preferences and Templates screen, ReceivablesPro automatically sends a CC of the receipt email to the email address you entered.

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