GIACT

Only users with Enrollment Admin or Enrollment Operator user roles can access Enrollments pages.

GIACT is the consumer reporting agency we use to verify vendor identity and authenticate the banking information we received from the vendor or customer as part of the vendor enrollment process.

The following GIACT checks are automatically run behind the scenes when a vendor enrollment form is received, except for Employee enrollment forms (Enrollments Listing Form Type EMP):

  • ACH Acceptance only: gAUTHENTICATE, gIDENTIFY, and gIDENTIFY with ESI (Email and Social Intelligence)
  • Credit Card Acceptance only: gIDENTIFY and gIDENTIFY with ESI
  • ACH & Credit Card Acceptance: gAUTHENTICATE, gIDENTIFY, and gIDENTIFY with ESI (Email and Social Intelligence)
    • gVERIFY is included with gAUTHENTICATE.

When a GIACT verification is run, the results always include a verification code plus a response code.

  • For gAUTHENTICATE and gVERIFY, an Account Response Code is returned.
  • For gIDENTIFY and gIDENTIFY with ESI, a Customer Response Code is returned.

Use the tables below to look up with the codes mean so that you'll know what data is missing and which GIACT verifications need to be run again.

  1. Go to Ops Toolkit > Enrollments > Enrollment Listings.
  2. Click Details for a vendor assigned to you. See the Enrollments topic if you don't have enrollments assigned to you yet.

The actions you take next depend on whether you're running a verification for the first time or following up on vendor verifications with a status of Warn, Fail, or Error.

  • GIACT checks are automatically run on Business and Employee ACH enrollments.
  • None of the GIACT Information fields are required. This allows you to control what GIACT verifications are run based on which fields are populated. For example, if all fields are populated, all GIACT checks are run. If only the Routing and Account Number banking Information fields are populated, only gVERIFY runs.

GIACT verification is automatically run, when possible, when a vendor enrollment form is received. If a GIACT verification hasn't been run, it's because the enrollment form didn't include all the required information.

Enrollment forms received prior to this release won't have had a GIACT check.
  1. Click START GIACT.

    2. The GIACT Information window prepopulates with data from the vendor enrollment form.

  2. Populate any missing fields needed to run the GIACT verifications.
    3. If the fields needed for a verification are not present, that GIACT verification doesn't run.
    You can reposition the GIACT Information window so that you can see the Vendor Information screen.

    GIACT Verification Needed Fields Verification Code Type Returned
    gAUTHENTICATE Vendor Name (First Name, Last Name, or Business Name) Account Response Code
      Routing Number  
      Account Number  
    gVERIFY Routing Number Account Response Code
      Account Number  
    gIDENTIFY Contact First and Last Name Customer Response Code
      Address  
    gIDENTIFY with ESI Contact First and Last Name (and/or Business Name) Customer Response Code
      Address  
      Email  

  3. Click Run Giact Check at the bottom of the screen.

    4. It's rare that vendor verification passes on the first check. When it doesn't, proceed with the instructions below.
  1. Click View Details if you're starting from the Enrollments Listing Detail page. Otherwise, you're already on the Detail page because you just rant the verification.

  2. Evaluate the codes to determine what data is missing or inaccurate so you'll know what GIACT verifications to rerun.

    3. Name Description
    Null There is no AccountResponseCode value for this result.
    GS01 Invalid Routing Number - The routing number supplied fails the validation test.
    GS02 Invalid Account Number - The account number supplied fails the validation test.
    GS03 Invalid Check Number - The check number supplied fails the validation test.
    GS04 Invalid Amount - The amount supplied fails the validation test.
    GP01 The account was found as active in your Private Bad Checks List.
    RT00 The routing number belongs to a reporting bank; however, no positive nor negative information has been reported on the account number.
    RT01 This account should be declined based on the risk factor being reported.
    RT02 This item should be rejected based on the risk factor being reported.
    RT03 Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items.)
    RT04 Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity, or a Brokerage check.
    RT05 N/A
    _1111 Account Verified – The account was found to be an open and valid checking account.
    _2222 AMEX – The account was found to be an American Express Travelers Cheque account.
    _3333 Non-Participant Provider – This account was reported with acceptable, positive data found in current or recent transactions.
    _5555 Savings Account Verified – The account was found to be an open and valid savings account.
    _7777 N/A
    _8888 N/A
    _9999 N/A
    GN01 Negative information was found in this account's history.
    GN05 The routing number is reported as not currently assigned to a financial institution.
    ND00 No positive or negative information has been reported on the account.
    ND01 This routing number can only be valid for US Government financial institutions.
    Name Description
    Null There is no CustomerResponseCode value for this result.
    CA01 Information submitted failed gAUTHENTICATE.
    CA11 Customer authentication passed gAUTHENTICATE.
    CA21 The customer or business name data did not match gAUTHENTICATE data.
    CA22 The customer's Tax ID (SSN/ITIN) data did not match gAUTHENTICATE data.
    CA23 The customer's address data did not match gAUTHENTICATE data.
    CA24 The customer's phone data did not match gAUTHENTICATE data.
    CA25 The customer's date of birth or ID data did not match gAUTHENTICATE data.
    CA30 Multiple secondary data points did not match gAUTHENTICATE data.
    CI01 Information submitted failed gIDENTIFY/Customer ID.
    CI02 N/A
    CI11 Customer identification passed gIDENTIFY/Customer ID.
    CI21 The customer or business name data did not match gIDENTIFY/Customer ID data.
    CI22 The customer's TaxId (SSN/ITIN) data did not match gIDENTIFY/Customer ID data.
    CI23 The customer's address data did not match gIDENTIFY/Customer ID data.
    CI24 The customer's phone data did not match gIDENTIFY/Customer ID data.
    CI25 The customer's date of birth or ID data did not match gIDENTIFY/Customer ID data.
    CI30 Multiple secondary data points did not match gIDENTIFY/Customer ID data.
    ND02 No data was found matching the customer information provided.
    Name Description
    Error There was an error with the inquiry. Contact Support so they can check the ErrorMessage property for details.
    PrivateBadChecksList The bank account in the inquiry was found on the API user's private bad check list.
    Declined The suggested action is to decline the bank account and/or customer data for this inquiry.
    RejectItem The suggested action is to not accept an item with the check number on this inquiry.
    AcceptWithRisk The suggested action is to further investigate or accept the bank account and/or customer data for this inquiry with known risk.
    RiskAlert The suggested action is to further investigate the bank account and/or customer data for this inquiry due to a risk alert.
    Pass The suggested action is to accept the bank account and/or customer data for this inquiry.
    PassNdd The bank account in the inquiry is a Non-Demand Deposit account.
    NegativeData There was negative data found associated with the account.
    NoData No data was found for the bank account and/or customer data.

  3. How you proceed depends on your team's protocols.

    4. If we have a DBA (Doing Business As) name present in the GIACT Information window:

    Click the DBA link and the click Run Giact Check.

    If there is no DBA present, follow the procedures below.

    1. Gather the data you need to reverify the vendor. This might come from info in a Zendesk ticket or by reaching out to the vendor or some other means.
    2. Click Clear Enrollment Form.
    3. Enter the fields that need to be rechecked.

      4. GIACT Verification Needed Fields Verification Code Type Returned
      gAUTHENTICATE Vendor Name (First Name, Last Name, or Business Name) Account Response Code
        Routing Number  
        Account Number  
      gVERIFY Routing Number Account Response Code
        Account Number  
      gIDENTIFY Contact First and Last Name Customer Response Code
        Address  
      gIDENTIFY with ESI Contact First and Last Name (and/or Business Name) Customer Response Code
        Address  
        Email  

    4. Click Run Giact Check.

We take the data received from GIACT and put it into a single template. The template is then saved as a PDF, which you can download and use as you like. Using a single template provides GIACT data in a consistent format regardless of which check is run. Fields in the template are populated depending on the GIACT check run.

To view or access a GIACT PDF:

  1. Click the PDF icon. This automatically downloads the PDF to your local computer, typically in your Downloads folder.

  2. Click the download arrow in the bottom left of your browser and
    • select Open to view the PDF.
    • select Show in folder to open Windows File Explorer to where the PDF was downloaded.