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.

📘

In order to create an ACH transfer, you will need to provide the SEC Code.

Payarc supports the following: ARC, BOC, CCD, POP, PPD, RCK, TEL, WEB.

SEC Code	Description	Details
ARC	Accounts Receivable Entries	A single ACH debit used by originator for the conversion of an eligible source document received via the U.S. mail or delivery service; at a lockbox location; or in person at a manned location for the payment of a bill.
BOC	Back Office Conversion	A single ACH debit initiated by an originator based on an eligible source document provided at the point-of-purchase or at a manned bill payment location for subsequent conversion during back office conversion.
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.
POP	Point of Purchase	A single ACH debit initiated by an originator based on an eligible source document provided at a point-of-purchase or manned bill payment location.
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.
RCK	Re-presented Check Entries	Originators can re-present a check that has been processed through the check collection system as a paper or image item, and returned because of insufficient or uncollected funds
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!