TEL transactions are by definition those that are authorized over the telephone granting a business permission to debit a consumer's personal checking or savings account. NACHA permits these transactions if the customer initiates the call, or if the merchant initiates the call and there is a pre-existing relationship between the customer and the merchant (a contract in place, or the customer has done business with the merchant in the last 2 years).
TEL transactions are used when a merchant obtains the bank account information and permission to charge the account from a customer over the phone, and types it into a ReceivablesPro collect new payment screen for processing.
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