Authorisation for ACH Direct Debit

Mandatory sub-lines

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

PaymentDetails

  • 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

(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

(tick)

Amount.

5

Numeric

(tick)

6

Alphabetic

(tick)

The three-character ISO currency code.

7

Alphanumeric

(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

Alphanumeric

(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

(error)

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

BankAccount

  • 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

(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

(tick)

Two-letter bank account owner name.

  • Format: AA

5

Alphabetic

(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

(tick)

Bank account number.

7

Numeric

(tick)

ABA routing number/ Branch location number.

Address

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

(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

Alphanumeric

(tick)

Street address.

6

Alphanumeric

(tick)

House number or name.

7

Alphanumeric

(tick)

City.

8

Alphanumeric

(tick)

ZIP/Post code.

9

Alphanumeric

(tick)

State/Province/Region.

10

Alphabetic

(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.

Sample authorisation for ACH Direct Debit file:

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