Pay By ACH - One Time
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
POSThttps://testapi.payarc.net/v1/charges
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 SavingsExample: 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, creditFormat: 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 $0.091201 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 |
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
var request = require('request');
var options = {
'method': 'POST',
'url': 'http://localapi5.payarc.net/v1/achcharges',
'headers': {
'Accept': 'application/json',
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': 'Bearer {{Access-Token-From-Payarc-Dashboard}}'
},
body: '{"account_number":"0114584906","routing_number":"129131673","first_name":"John","last_name":"Hancock","account_type":"Personal Checking","receipt_email":"[email protected]","receipt_phone":"6546456984","address_line1":"103 Mason Street","zip":"10469","currency":"usd","amount":"1201","type":"debit","sec_code":"WEB"}'
};
request(options, function (error, response) {
if (error) throw new Error(error);
console.log(response.body);
});
var client = new HttpClient();
var request = new HttpRequestMessage(HttpMethod.Post, "http://localapi5.payarc.net/v1/achcharges");
request.Headers.Add("Accept", "application/json");
request.Headers.Add("Authorization", "Bearer {{Access-Token-From-Payarc-Dashboard}}");
var content = new StringContent("{\"account_number\":\"0114584906\",\"routing_number\":\"129131673\",\"first_name\":\"John\",\"last_name\":\"Hancock\",\"account_type\":\"Personal Checking\",\"receipt_email\":[email protected],\"receipt_phone\":6546456984,\"address_line1\":103 Mason Street,\"zip\":10469,\"currency\":\"usd\",\"amount\":\"1201\",\"type\":\"debit\",\"sec_code\":\"WEB\"}", null, "application/x-www-form-urlencoded");
request.Content = content;
var response = await client.SendAsync(request);
response.EnsureSuccessStatusCode();
Console.WriteLine(await response.Content.ReadAsStringAsync());
We will receive a ACHCharge, in our case its ID is g9dDE7GDaA527eAa
{
"data": {
"object": "ACHCharge",
"id": "g9dDE7GDaA527eAa",
"amount": "1201",
"created_by": "[email protected]",
"status": "validated",
"type": "debit",
"authorization_id": 123,
"validation_code": "parola",
"successful": true,
"response_message": "Api call is proxied, check your env for locall",
"created_at": "2023-11-22T15:43:55.000000Z",
"updated_at": "2023-11-22T15:44:30.000000Z",
"retried_achcharge_id": null,
"bank_account": {
"data": {
"object": "BankAccount",
"id": "D634EdsD6KLd5ea",
"first_name": "John",
"last_name": "Hancock",
"account_type": "Personal Checking",
"sec_code": "WEB",
"routing_number": "129131673",
"account_number": "****4906"
}
}
},
"meta": {
"include": [],
"custom": []
}
}
Congratulations on creating a one-time ACH Charge!
Updated about 2 months ago