Authorisation for ACH Direct Debit

Mandatory sub-lines

The sub-lines described below are mandatory when submitting a bank transfer or a ACH Direct Debit (DD) payment authorisation request.

  • This sub-line specifies transaction amount and customer details.
  • Optional fields: if you do not populate one or more non-mandatory fields and leave them blank, you need in any case to insert delimiting commas because the Adyen payments platform expects a preset, fixed number of fields per line/sub-line. 

Field #

Format

Required

Description

1

Fixed value: SL
(tick)

Record type identifier

2

Numeric [0-9]+

(tick)

SL sub-line record number reference within its parent line.

The counter starts at 1, and it increments sequentially by one unit.

3

Fixed value: PaymentDetails

(tick)

Transaction type.
Defines the required field types for the specific sub-line.

4

Numeric [0-9]+

(tick)

Amount.

5

Numeric [0-9]+

(tick)

6

Alphabetic data [A-Z, a-z]

(tick)

The three-character ISO currency code.

7

Alphabetic data [A-Z, a-z]

(error)

A shopper's reference, which is the unique identifier for a shopper.

Required element for recurring payments and to create recurring contracts.

8

Email address

(error)

The shopper's email address.

Required element for recurring payments and to create recurring contracts.

9

Alphabetic data [A-Z, a-z]

(error)

Shopper statement.
The soft descriptor for the transaction.

10

IP address

(error)

The IP address the shopper used to carry out the transaction.

11

Numeric [0-9]+

(error)

Fraud offset.
The value to be applied to offset the calculated risk score.
It can be either a positive or a negative value.

  • This sub-line holds information about bank transfer payments carried out using the shopper's bank account details.
  • In an authorisation request for bank account payments, the BankAccount sub-line needs to be submitted as sub-line 2.

Field #

Format

Required

Description

1

Fixed value: SL

(tick)

Record type identifier

2

Numeric [0-9]+

(tick)

SL sub-line record number reference within its parent line.

The counter starts at 1, and it increments sequentially by one unit.

3

Fixed value: BankAccount

(tick)

Transaction type.
Defines the required field types for the specific sub-line.

4

Alphabetic data [A-Z, a-z]

(tick)

Two-letter bank account owner name.

  • Format: AA

5

Alphabetic data [A-Z, a-z]

(tick)

Two-letter country code.

The country value format needs to adhere to the ISO 3166-1 alpha-2 standard. An invalid country code results in a transaction/request rejection. You can look up country codes on the ISO web site.

6

Numeric [0-9]+

(tick)

Bank account number.

7

Numeric [0-9]+

(tick)

ABA routing number/ Branch location number.


You can use the Address sub-line to include information about the shopper's billing and delivery addresses.
You need to specify billing and deliver addresses on separate Address sub-lines:

  • One Address sub-line containing the billing address information;
  • One Address sub-line containing the delivery address information.


Field #

Format

Required

Description

1

Fixed value: SL

(tick)

Record type identifier

2

Numeric [0-9]+

(tick)
SL sub-line record number reference within its parent line.

The counter starts at 1, and it increments sequentially by one unit.
3

Fixed value: Address

(tick)

Transaction type.
Defines the required field types for the specific sub-line.

4

Allowed values:

  • Billing
  • Delivery

(tick)

The type of address that is being submitted: either a billing or a delivery address.

5

Alphabetic data [A-Z, a-z]

(tick)

Street address.

6

Alphabetic data [A-Z, a-z]

(tick)

House number or name.

7

Alphabetic data [A-Z, a-z]

(tick)

City.

8

Alphabetic data [A-Z, a-z]

(tick)

ZIP/Post code.

9

Alphabetic data [A-Z, a-z]

(tick)

State/Province/Region.

10

Alphabetic data [A-Z, a-z]

(tick)

Two-letter country code.

The country value format needs to adhere to the ISO 3166-1 alpha-2 standard. An invalid country code results in a transaction/request rejection. You can look up country codes on the ISO web site.

Example

SL,1,PaymentDetails,100,2,USD,,,,,
SL,2,BankAccount,Adyen Inc,US,4780345603,066000359
SL,3,Address,Billing,South Buena Vista Street,500,Burbank,91521,CA,US