This guide walks through creating and capturing a one-time payment by ACH where we don't have a customer record.

Create an ACH Charge

POSTCreate an ACH Charge

Let's assume our customer is John Hancock, the owner of a Personal Checking account with the routing number 129131673 and account number 0114584906. We will create a one-time ACH debit for $12.01, which will be represented by the amount 1201.

Parameter	Description
account_number Required	Account Number for the account. Format: Numeric, Length 3-17. Example_: 0114584906
routing_number Required	Nine-digit routing number for the account. Format: Numeric, Length:9 Example_: 129131673
first_name Required	Account holder's first name Format: AlphaNumeric, Length 2-50 Example_: John
last_name Required	Account holder's first name Format: AlphaNumeric, Length 2-50 Example_: Hancock
account_type Required	The type of account Format: One of the following: `Personal Checking`, `Personal Savings`, `Business Checking`, `Business Savings` Example_:`Personal Checking`
sec_code Required	A Standard Entry Class Code (SEC Code) is a way to classify an ACH payment. The value must be one of: `CCD`, `PPD`, `TEL`, `WEB`. Example_:`WEB`
type Required	Type of flow. Must be one of the following: `debit`, `credit` Format: String Example_: `debit`
amount Required	A positive integer in cents representing how much to charge. The minimum value for our test environment is 50, the equivalent of $0.50 USD Format: Numeric, in cents Example_: `9` for $0.09 `1201` for $12.01
currency Required	Three-letter ISO currency code, in lowercase. Allowable Value: `usd`
receipt_email Optional	The customer's email address Format: String, Length 5-75 Example_:[email protected]
receipt_phone Optional	The customer's phone number Format: Numeric 2-11 digits Example_:6546456984
addressline1 Optional	The customer's address line 1. Format: Alphanumeric, Length: 5-50 Example_: 103 Mason Street
zip Optional	The customer's ZIP code, or ZIP+4 code Numeric and hyphen, Max length 10 Example:`10469`, `10469-2345`
customerid Optional	Customer ID created via the Create a Customer API. Format: Alphanumeric Example: `DjPnVDNApDDnVpMN`

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In order to create an ACH transfer, you will need to provide the SEC Code.
Payarc supports the following: CCD, PPD, TEL, WEB.
SEC Code Description Details
CCD Corporate Credit or Debit A single or a recurring ACH credit or debit originated to a corporate account. They are commonly used by Originators to pay vendors, concentrate funds from outlying accounts (cash concentration), to fund payroll, petty cash, or other disbursement accounts.
PPD Pre-arranged Payment or Deposit A single or a recurring ACH credit or debit sent by an originator to a consumer account to make or collect a payment, where authorization is obtained in writing.
TEL Telephone Initiated Entries A single or a recurring ACH debit that occurs when the consumer’s authorization for a transfer of funds is received orally via the telephone.
WEB Internet-Initiated/Mobile Entries Credit WEB Entries: A Person-to-Person entry transmitted on behalf of one natural person to another natural person, or between accounts belonging to the same natural person.Debit WEB Entries: ACH entry initiated according to an authorization obtained via the internet or a wireless network (e.g. mobile device) except for an oral authorization via a telephone call.
The full list of SEC codes is maintained by NACHA, the government entity that runs the ACH system. For further details, please refer to: https://achdevguide.nacha.org/ach-file-details

SEC Code	Description	Details
CCD	Corporate Credit or Debit	A single or a recurring ACH credit or debit originated to a corporate account. They are commonly used by Originators to pay vendors, concentrate funds from outlying accounts (cash concentration), to fund payroll, petty cash, or other disbursement accounts.
PPD	Pre-arranged Payment or Deposit	A single or a recurring ACH credit or debit sent by an originator to a consumer account to make or collect a payment, where authorization is obtained in writing.
TEL	Telephone Initiated Entries	A single or a recurring ACH debit that occurs when the consumer’s authorization for a transfer of funds is received orally via the telephone.
WEB	Internet-Initiated/Mobile Entries	Credit WEB Entries: A Person-to-Person entry transmitted on behalf of one natural person to another natural person, or between accounts belonging to the same natural person.Debit WEB Entries: ACH entry initiated according to an authorization obtained via the internet or a wireless network (e.g. mobile device) except for an oral authorization via a telephone call.

We will receive a ACHCharge, in our case its ID is g9dDE7GDaA527eAa

Congratulations on creating a one-time ACH Charge!