{"title":"Authorisation for ACH Direct Debit","category":"default","creationDate":1779620072,"content":"<h2 id=\"mandatory-sub-lines\">Mandatory sub-lines<\/h2>\n<p>The <a href=\"#paymentdetails\">\n  <code>PaymentDetails<\/code>\n<\/a>, <a href=\"#bankaccount\">\n  <code>BankAccount<\/code>\n<\/a>, and <a href=\"#address\">\n  <code>Address<\/code>\n<\/a> sub-lines described below are mandatory when submitting a bank transfer or a\u00a0ACH Direct Debit (DD) payment authorisation request.<\/p>\n<h3 id=\"paymentdetails\">PaymentDetails<\/h3>\n<p><div class=\"sc-notice info\"><div>This sub-line specifies transaction amount and customer details.<br \/><br \/>\nOptional 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.<\/div><\/div><\/p>\n<table><thead><tr class=\"header\"><th><p><strong>Field #<\/strong><\/p><\/th><th><p><strong>Format<\/strong><\/p><\/th><th><p><strong>Required<\/strong><\/p><\/th><th><p><strong>Description<\/strong><\/p><\/th><\/tr><\/thead><tbody><tr><td>\n<p>1<\/p>\n<\/td><td>\n<p>Fixed value: <code>SL<\/code><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Record type identifier<\/p>\n<\/td><\/tr><tr><td>\n<p>2<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p><code>SL<\/code> sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.<\/p>\n<\/td><\/tr><tr><td>\n<p>3<\/p>\n<\/td><td>\n<p>Fixed value:\u00a0<code>PaymentDetails<\/code><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Transaction type. <br>Defines the required field types for the specific sub-line.<\/p>\n<\/td><\/tr><tr><td>\n<p>4<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Amount.<\/p>\n<\/td><\/tr><tr><td>\n<p>5<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>The <a href=\"https:\/\/en.wikipedia.org\/wiki\/ISO_4217#Treatment_of_minor_currency_units_.28the_.22exponent.22.29\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">currency exponent<\/a>.<\/p>\n<\/td><\/tr><tr><td>\n<p>6<\/p>\n<\/td><td>\n<p>Alphabetic<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>The three-character <a href=\"https:\/\/en.wikipedia.org\/wiki\/ISO_4217\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">ISO currency code<\/a>.<\/p>\n<\/td><\/tr><tr><td>\n<p>7<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/p>\n<\/td><td>\n<p>A shopper's reference, which is the unique identifier for a shopper.<div class=\"sc-notice note\"><div>Required element for\u00a0recurring payments\u00a0and to create\u00a0<a href=\"\/online-payments\/classic-integrations\/classic-api-integration\/tokenization\">recurring contracts<\/a>.<\/div><\/div><\/p>\n<\/td><\/tr><tr><td>\n<p>8<\/p>\n<\/td><td>\n<p>Email address<\/p>\n<\/td><td>\n<p><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/p>\n<\/td><td>\n<p>The shopper's email address.<\/p>\n<\/td><\/tr><tr><td>\n<p>9<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/p>\n<\/td><td>\n<p>Shopper statement.<br \/>\nThe soft <a href=\"https:\/\/en.wikipedia.org\/wiki\/Billing_descriptor\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">descriptor<\/a> for the transaction.<\/p>\n<\/td><\/tr><tr><td>\n<p>10<\/p>\n<\/td><td>\n<p>IP address<\/p>\n<\/td><td>\n<p><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/p>\n<\/td><td>\n<p>The IP address the shopper used to carry out the transaction.<\/p>\n<\/td><\/tr><tr><td>\n<p>11<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/p>\n<\/td><td>\n<p>Fraud offset.<br \/>\nThe value to be applied to offset the calculated risk score.<br \/>\nIt can be either a positive or a negative value.<\/p>\n<\/td><\/tr><\/tbody><\/table>\n<h3 id=\"bankaccount\">BankAccount<\/h3>\n<div class=\"sc-notice info\"><div>\n<ul>\n<li>This sub-line holds information about bank transfer payments carried out using the shopper's bank account details.<\/li>\n<li>In an authorisation request for bank account payments, the\u00a0<code>BankAccount<\/code> sub-line needs to be submitted as <em>sub-line 2<\/em>.<\/li>\n<\/ul>\n<\/div><\/div>\n<table><thead><tr class=\"header\"><th><p><strong>Field #<\/strong><\/p><\/th><th><p><strong>Format<\/strong><\/p><\/th><th><p><strong>Required<\/strong><\/p><\/th><th><p><strong>Description<\/strong><\/p><\/th><\/tr><\/thead><tbody><tr><td>\n<p>1<\/p>\n<\/td><td>\n<p>Fixed value: <code>SL<\/code><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Record type identifier<\/p>\n<\/td><\/tr><tr><td>\n<p>2<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p><code>SL<\/code> sub-line record number reference within its parent line.<br>The counter starts at 1, and it increments sequentially by one unit.<\/p>\n<\/td><\/tr><tr><td>\n<p>3<\/p>\n<\/td><td>\n<p>Fixed value:\u00a0<code>BankAccount<\/code><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Transaction type. <br>Defines the required field types for the specific sub-line.<\/p>\n<\/td><\/tr><tr><td>\n<p>4<\/p>\n<\/td><td>\n<p>Alphabetic<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Two-letter bank account owner name.<ul><li markdown=\"1\">Format: <code>AA<\/code><\/li><\/ul><\/p>\n<\/td><\/tr><tr><td>\n<p>5<\/p>\n<\/td><td>\n<p>Alphabetic<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Two-letter country code.<br>The <code>country<\/code> value format needs to adhere to the <a href=\"https:\/\/en.wikipedia.org\/wiki\/ISO_3166-1_alpha-2\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">ISO 3166-1 alpha-2<\/a> standard.\u00a0An invalid country code results in a transaction\/request rejection.\u00a0You can <a href=\"https:\/\/www.iso.org\/obp\/ui\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">look up country codes<\/a> on the ISO website.<\/p>\n<\/td><\/tr><tr><td>\n<p>6<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Bank account number.<\/p>\n<\/td><\/tr><tr><td>\n<p>7<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>ABA routing number\/ Branch location number.<\/p>\n<\/td><\/tr><\/tbody><\/table>\n<h3 id=\"address\">Address<\/h3>\n<div class=\"sc-notice info\"><div>\n<p>You can use the\u00a0<code>Address<\/code> sub-line to include information about the shopper's billing and delivery addresses.<br \/>\nYou need to specify billing and deliver addresses on separate\u00a0<code>Address<\/code> sub-lines:<\/p>\n<ul>\n<li>One\u00a0<code>Address<\/code> sub-line containing the billing address information;<\/li>\n<li>One\u00a0<code>Address<\/code> sub-line containing the delivery address information.<\/li>\n<\/ul>\n<\/div><\/div>\n<table><thead><tr class=\"header\"><th><p><strong>Field #<\/strong><\/p><\/th><th><p><strong>Format<\/strong><\/p><\/th><th><p><strong>Required<\/strong><\/p><\/th><th><p><strong>Description<\/strong><\/p><\/th><\/tr><\/thead><tbody><tr><td>\n<p>1<\/p>\n<\/td><td>\n<p>Fixed value: <code>SL<\/code><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Record type identifier<\/p>\n<\/td><\/tr><tr><td>\n<p>2<\/p>\n<\/td><td>\n<p>Numeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p><code>SL<\/code> sub-line record number reference within its parent line.<br>The counter starts at 1, and it increments sequentially by one unit.<\/p>\n<\/td><\/tr><tr><td>\n<p>3<\/p>\n<\/td><td>\n<p>Fixed value:\u00a0<code>Address<\/code><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Transaction type. <br>Defines the required field types for the specific sub-line.<\/p>\n<\/td><\/tr><tr><td>\n<p>4<\/p>\n<\/td><td>\n<p>Allowed values:<ul><li markdown=\"1\"><code>Billing<\/code><\/li><li markdown=\"1\"><code>Delivery<\/code><\/li><\/ul><\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>The type of address that is being submitted: either a billing or a delivery address.<\/p>\n<\/td><\/tr><tr><td>\n<p>5<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Street address.<\/p>\n<\/td><\/tr><tr><td>\n<p>6<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>House number or name.<\/p>\n<\/td><\/tr><tr><td>\n<p>7<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>City.<\/p>\n<\/td><\/tr><tr><td>\n<p>8<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>ZIP\/Post code.<\/p>\n<\/td><\/tr><tr><td>\n<p>9<\/p>\n<\/td><td>\n<p>Alphanumeric<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>State\/Province\/Region.<\/p>\n<\/td><\/tr><tr><td>\n<p>10<\/p>\n<\/td><td>\n<p>Alphabetic<\/p>\n<\/td><td>\n<p><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/p>\n<\/td><td>\n<p>Two-letter country code.<br>The <code>country<\/code> value format needs to adhere to the <a href=\"https:\/\/en.wikipedia.org\/wiki\/ISO_3166-1_alpha-2\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">ISO 3166-1 alpha-2<\/a> standard.\u00a0An invalid country code results in a transaction\/request rejection.\u00a0You can <a href=\"https:\/\/www.iso.org\/obp\/ui\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">look up country codes<\/a> on the ISO website.<\/p>\n<\/td><\/tr><\/tbody><\/table>\n<p>Sample authorisation for ACH Direct Debit file:<\/p>\n<pre><code>SL,1,PaymentDetails,100,2,USD,,,,,\nSL,2,BankAccount,Adyen Inc,US,4780345603,066000359\nSL,3,Address,Billing,South Buena Vista Street,500,Burbank,91521,CA,US<\/code><\/pre>","url":"https:\/\/docs.adyen.com\/development-resources\/batch-processing\/advanced-sftp-batch-files\/batch-request-file\/authorisation-request-file\/authorisation-for-ach-direct-debit","articleFields":{"id":"27528149","type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"30-04-2019 14:25"},"algolia":{"url":"https:\/\/docs.adyen.com\/development-resources\/batch-processing\/advanced-sftp-batch-files\/batch-request-file\/authorisation-request-file\/authorisation-for-ach-direct-debit","title":"Authorisation for ACH Direct Debit","content":"Mandatory sub-lines\nThe \n  PaymentDetails\n, \n  BankAccount\n, and \n  Address\n sub-lines described below are mandatory when submitting a bank transfer or a\u00a0ACH Direct Debit (DD) payment authorisation request.\nPaymentDetails\nThis sub-line specifies transaction amount and customer details.\nOptional 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.\nField #FormatRequiredDescription\n1\n\nFixed value: SL\n\n\n\nRecord type identifier\n\n2\n\nNumeric\n\n\n\nSL sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.\n\n3\n\nFixed value:\u00a0PaymentDetails\n\n\n\nTransaction type. Defines the required field types for the specific sub-line.\n\n4\n\nNumeric\n\n\n\nAmount.\n\n5\n\nNumeric\n\n\n\nThe currency exponent.\n\n6\n\nAlphabetic\n\n\n\nThe three-character ISO currency code.\n\n7\n\nAlphanumeric\n\n\n\nA shopper's reference, which is the unique identifier for a shopper.Required element for\u00a0recurring payments\u00a0and to create\u00a0recurring contracts.\n\n8\n\nEmail address\n\n\n\nThe shopper's email address.\n\n9\n\nAlphanumeric\n\n\n\nShopper statement.\nThe soft descriptor for the transaction.\n\n10\n\nIP address\n\n\n\nThe IP address the shopper used to carry out the transaction.\n\n11\n\nNumeric\n\n\n\nFraud offset.\nThe value to be applied to offset the calculated risk score.\nIt can be either a positive or a negative value.\n\nBankAccount\n\n\nThis sub-line holds information about bank transfer payments carried out using the shopper's bank account details.\nIn an authorisation request for bank account payments, the\u00a0BankAccount sub-line needs to be submitted as sub-line 2.\n\n\nField #FormatRequiredDescription\n1\n\nFixed value: SL\n\n\n\nRecord type identifier\n\n2\n\nNumeric\n\n\n\nSL sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.\n\n3\n\nFixed value:\u00a0BankAccount\n\n\n\nTransaction type. Defines the required field types for the specific sub-line.\n\n4\n\nAlphabetic\n\n\n\nTwo-letter bank account owner name.Format: AA\n\n5\n\nAlphabetic\n\n\n\nTwo-letter country code.The country value format needs to adhere to the ISO 3166-1 alpha-2 standard.\u00a0An invalid country code results in a transaction\/request rejection.\u00a0You can look up country codes on the ISO website.\n\n6\n\nNumeric\n\n\n\nBank account number.\n\n7\n\nNumeric\n\n\n\nABA routing number\/ Branch location number.\n\nAddress\n\nYou can use the\u00a0Address sub-line to include information about the shopper's billing and delivery addresses.\nYou need to specify billing and deliver addresses on separate\u00a0Address sub-lines:\n\nOne\u00a0Address sub-line containing the billing address information;\nOne\u00a0Address sub-line containing the delivery address information.\n\n\nField #FormatRequiredDescription\n1\n\nFixed value: SL\n\n\n\nRecord type identifier\n\n2\n\nNumeric\n\n\n\nSL sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.\n\n3\n\nFixed value:\u00a0Address\n\n\n\nTransaction type. Defines the required field types for the specific sub-line.\n\n4\n\nAllowed values:BillingDelivery\n\n\n\nThe type of address that is being submitted: either a billing or a delivery address.\n\n5\n\nAlphanumeric\n\n\n\nStreet address.\n\n6\n\nAlphanumeric\n\n\n\nHouse number or name.\n\n7\n\nAlphanumeric\n\n\n\nCity.\n\n8\n\nAlphanumeric\n\n\n\nZIP\/Post code.\n\n9\n\nAlphanumeric\n\n\n\nState\/Province\/Region.\n\n10\n\nAlphabetic\n\n\n\nTwo-letter country code.The country value format needs to adhere to the ISO 3166-1 alpha-2 standard.\u00a0An invalid country code results in a transaction\/request rejection.\u00a0You can look up country codes on the ISO website.\n\nSample authorisation for ACH Direct Debit file:\nSL,1,PaymentDetails,100,2,USD,,,,,\nSL,2,BankAccount,Adyen Inc,US,4780345603,066000359\nSL,3,Address,Billing,South Buena Vista Street,500,Burbank,91521,CA,US","type":"page","locale":"en","boost":14,"hierarchy":{"lvl0":"Home","lvl1":"Development resources","lvl2":"Batch processing","lvl3":"Submit transaction batch files through SFTP","lvl4":"Batch request file","lvl5":"Authorisation request file","lvl6":"Authorisation for ACH Direct Debit"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/development-resources","lvl2":"https:\/\/docs.adyen.com\/development-resources\/batch-processing","lvl3":"https:\/\/docs.adyen.com\/development-resources\/batch-processing\/advanced-sftp-batch-files","lvl4":"https:\/\/docs.adyen.com\/development-resources\/batch-processing\/advanced-sftp-batch-files\/batch-request-file","lvl5":"https:\/\/docs.adyen.com\/development-resources\/batch-processing\/advanced-sftp-batch-files\/batch-request-file\/authorisation-request-file","lvl6":"\/development-resources\/batch-processing\/advanced-sftp-batch-files\/batch-request-file\/authorisation-request-file\/authorisation-for-ach-direct-debit"},"levels":7,"category":"Development Resources","category_color":"green","tags":["Authorisation","Direct","Debit"]}}