A credit transaction is when you add funds to an account. ACH credit transactions are most often used for direct deposit payroll transactions, P2P payments, and refunds. (This is the same function as a refund on a credit card)

Parameters

The following parameters are available to process an ACH Debit transaction.

parameter	description	required
mid	the Merchant ID (MID) assigned by QorCommerce or your merchant service provider (MSP)	Yes
amount	the total amount to debit	Yes
orderid	a unique merchant order tracking number	Yes
seccode	# docTextSection:oLXpbhkedPf9iLPzh	Yes
checknumber	check number to assign	No
checkdate	date provided for the check	No
transactiondate	date to assign for the credit	No
name_on_account	name of the account holder (specifically used for corporate accounts)	No
routing_number	bank routing number for credit	Yes
account_number	bank account number to credit	Yes
account_type	bank account type. valid options are `1 = personal checking` `2 = personal savings` `3 = corporate checking` `3 = corporate savings`	Yes
bankname	name of the bank for credit	No
bankcity	bank city	No
bankstate	bank 2-char state code	No
customerid	credited account holder customer ID	No
cfirstname	credited account holder first name	No
clastname	credited account holder last name	No
cphone	credited account holder phone numbern	No
cemail	credited account holder email	No
caddress1	credited account holder street 1 address	No
caddress2	credited account holder street address	No
ccity	credited account holder city	No
cstate	credited account holder state	No
czip	credited account holder zip code	No
memo	free form text	No
store_accnt	whether or not to store the account info for future use and return a token	No
account_nickname	nickname for the account	Yes
metadata	a set of key-value pairs that you can attach to a payment. This can be useful for storing additional information about the payment in a structured format.	No

JSON example ACH Credit

The following JSON example provides a template for all the ACH Credit parameter values. You can copy and paste these values in the Body Params section above to be used by the Try It feature

* is for required values

{
  "transaction_data": {
    "mid": "",
    "amount": "",
    "orderid": "",
    "seccode": "",
    "checknumber": "* if seccode = RCK",
    "checkdate": "",
    "transactiondate": "",
    "name_on_account": "",
    "routing_number": "",
    "account_number": "",
    "account_type": "",
    "bankname": "",
    "bankcity": "",
    "bankstate": "",
    "customerid": "",
    "firstname": "",
    "lastname": "",
    "middleinitial": "",
    "cphone": "",
    "cemail": "",
    "caddress1": "",
    "caddress2": "",
    "ccity": "",
    "cstate": "",
    "czip": "",
    "memo": "",
    "store_ach": 0,
    "account_nickname": "nickname"
  }
}

Store Account Option

You can store the bank account information provided in the QorCommerce Secure Vault by setting the store_ach parameter to true. The response will provide an ach_token value representing the customers bank information that you can associate with your customer and/or a contract to use for payment when needed.

References

Links to related pages.

Payment Response Codes
Standard Entry Class (SEC) Codes used for ACH