Debit (Sale)

Process an ACH Debit (Sale)

In banking a debit transaction is when you take funds from an account. (This is the same function as a sale transaction on a credit card). An ACH debit transaction authorizes to “pull” funds from a customer bank account, typically used for a sale or subscription.


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

midthe Merchant ID (MID) assigned by QorCommerce or your merchant service provider (MSP)Yes
reference_idA reference id that will be echo'd back in the message response.No
amountthe total amount to debitYes
orderida unique merchant order tracking numberYes
checknumbercheck number to captureNo
checkdatedate provided for the checkNo
transactiondatedate to assign for the transactionNo
name_on_accountname of the account holder (specifically used for corporate accounts)No
routing_numberbank routing number for debitYes
account_numberbank account number to debitYes
account_typebank account type. valid options are
1 = personal checking
2 = personal savings
3 = corporate checking
4 = corporate savings
account_nicknamenickname for the accountYes
banknamename of the bank for debitNo
bankcitybank cityNo
bankstatebank 2-char state codeNo
customeriddebited account holder customer IDNo
cfirstnamedebited account holder first nameNo
clastnamedebited account holder last nameNo
cphonedebited account holder phone numbernNo
cemaildebited account holder emailNo
caddress1debited account holder street 1 addressNo
caddress2debited account holder street addressNo
ccitydebited account holder cityNo
cstatedebited account holder stateNo
czipdebited account holder zip codeNo
memofree form textNo
store_accntwhether or not to store the account info for future use and return a tokenNo
metadataa 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

The following JSON example provides a template for all the ACH Debit 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": "",
    "account_nickname": "",
    "bankname": "",
    "bankcity": "",
    "bankstate": "",
    "customerid": "",
    "cfirstname": "",
    "clastname": "",
    "cphone": "",
    "cemail": "",
    "caddress1": "",
    "caddress2": "",
    "ccity": "",
    "cstate": "",
    "czip": "",
    "memo": "",
    "store_accnt": ""

Store Account Option

You can store the debited 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 the customer and/or a contract to use for future payments.


Click Try It! to start a request and see the response here!