Process an ACH Credit
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 are1 = personal checking2 = personal savings3 = corporate checking3 = 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.