Search docs

Are you looking for test card numbers?

Would you like to contact support?

Start searching Adyen's documentation...

  Documentation

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 -white_check_mark- Record type identifier
2 Numeric -white_check_mark- 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 -white_check_mark- Transaction type.
Defines the required field types for the specific sub-line.
4 Numeric -white_check_mark- Amount.
5 Numeric -white_check_mark- The currency exponent.
6 Alphabetic -white_check_mark- The three-character ISO currency code.
7 Alphanumeric -x- 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 -x- The shopper's email address.
Required element for recurring payments and to create recurring contracts.
9 Alphanumeric -x- Shopper statement.
The soft descriptor for the transaction.
10 IP address -x- The IP address the shopper used to carry out the transaction.
11 Numeric -x- 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

-white_check_mark-

Record type identifier

2

Numeric

-white_check_mark-

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

-white_check_mark-

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

4

Alphabetic

-white_check_mark-

Two-letter bank account owner name.

  • Format: AA

5

Alphabetic

-white_check_mark-

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 website.

6

Numeric

-white_check_mark-

Bank account number.

7

Numeric

-white_check_mark-

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 -white_check_mark- Record type identifier
2 Numeric -white_check_mark- 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 -white_check_mark- Transaction type.
Defines the required field types for the specific sub-line.
4 Allowed values:
  • Billing
  • Delivery
-white_check_mark- The type of address that is being submitted: either a billing or a delivery address.
5 Alphanumeric -white_check_mark- Street address.
6 Alphanumeric -white_check_mark- House number or name.
7 Alphanumeric -white_check_mark- City.
8 Alphanumeric -white_check_mark- ZIP/Post code.
9 Alphanumeric -white_check_mark- State/Province/Region.
10 Alphabetic -white_check_mark- 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 website.

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