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.

Parameters

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

parameter	description	required
mid	the Merchant ID (MID) assigned by `{user.company_name}` or your merchant service provider (MSP)	Yes
reference_id	A reference id that will be echo'd back in the message response.	No
amount	the total amount to debit	Yes
orderid	a unique merchant order tracking number	Yes
checknumber	check number to capture	No
checkdate	date provided for the check	No
transactiondate	date to assign for the transaction	No
account_number	bank account token	Yes
bankname	name of the bank for debit	No
bankcity	bank city	No
bankstate	bank 2-char state code	No
customerid	debited account holder customer ID	No
cfirstname	debited account holder first name	No
clastname	debited account holder last name	No
cphone	debited account holder phone number	No
cemail	debited account holder email	No
caddress1	debited account holder street 1 address	No
caddress2	debited account holder street address	No
ccity	debited account holder city	No
cstate	debited account holder state	No
czip	debited account holder zip code	No
memo	free form text	No
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

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

{
  "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": ""
  }
}

References

Links to related pages.