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	Description
1	Fixed value: `SL`	Record type identifier
2	Numeric [0-9]+	`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`	Transaction type. Defines the required field types for the specific sub-line.
4	Numeric [0-9]+	Amount.
5	Numeric [0-9]+	The currency exponent.
6	Alphabetic data [A-Z, a-z]	The three-character ISO currency code.
7	Alphabetic data [A-Z, a-z]	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	The shopper's email address. Required element for recurring payments and to create recurring contracts.
9	Alphabetic data [A-Z, a-z]	Shopper statement. The soft descriptor for the transaction.
10	IP address	The IP address the shopper used to carry out the transaction.
11	Numeric [0-9]+	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	Description
1	Fixed value: `SL`	Record type identifier
2	Numeric [0-9]+	`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`	Transaction type. Defines the required field types for the specific sub-line.
4	Alphabetic data [A-Z, a-z]	Two-letter bank account owner name. Format: `AA`
5	Alphabetic data [A-Z, a-z]	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]+	Bank account number.
7	Numeric [0-9]+	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	Description
1	Fixed value: `SL`	Record type identifier
2	Numeric [0-9]+	`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`	Transaction type. Defines the required field types for the specific sub-line.
4	Allowed values: `Billing` `Delivery`	The type of address that is being submitted: either a billing or a delivery address.
5	Alphabetic data [A-Z, a-z]	Street address.
6	Alphabetic data [A-Z, a-z]	House number or name.
7	Alphabetic data [A-Z, a-z]	City.
8	Alphabetic data [A-Z, a-z]	ZIP/Post code.
9	Alphabetic data [A-Z, a-z]	State/Province/Region.
10	Alphabetic data [A-Z, a-z]	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