How It Works {#microform-integ-how-works-v2}
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You can use the `Microform Integration` JavaScript library to securely replace sensitive input fields with `Visa Acceptance Solutions`-hosted secure iframes. These iframes capture payment information, including card numbers and `eCheck` data. This ensures that sensitive data is handled securely within your checkout process.

Accepting Card Information
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For card transactions, the captured card number is replaced with a mathematically irreversible token that only you can use. This token can be used in place of the card number for follow-on transactions in existing `Visa Acceptance Solutions` APIs.  
`Microform Integration` replaces the following card payment fields in your input form:

* Payment Card (PAN)
* CVN
* Month (non-sensitive)
* Year (non-sensitive)  
  With this option you can pass imonth and year in the request (if required), but these fields are non-sensitive.  
  This figure shows the `Microform Integration` process for accepting card information.

#### Figure:

`Microform Integration` Process with Card Information ![](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/microform-v2/images/mf-flow-cc-vap-600x285.svg/jcr:content/renditions/original)

Accepting `eCheck` Information
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`Microform Integration` also supports the acceptance of `eCheck` information. As with card transactions, the sensitive `eCheck` data is securely captured and replaced with a token.  
Accepting `eCheck` information enables merchants to collect funds from a customer's bank account through both the ACH service and eCheck service (US only) for either of these flows:

* **ACH services** are a set of connections composed of the legacy gateway solutions where `Visa Acceptance Solutions` serves as the gateway.

* **`eCheck`** , the new service on Payments 2.0, is the acquirer solution where `Visa Acceptance Solutions` is the acquirer.  
  `Microform Integration` replaces these `eCheck` information fields in your payment input form:

* Routing Number

* Account Number

* Account type (non-sensitive)  
  This figure shows the `Microform Integration` process for accepting `eCheck` information.

#### Figure:

`Microform Integration` Process with `eCheck` Information ![](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/microform-v2/images/mf-flow-echeck-vap-600x285.png/jcr:content/renditions/original)