Are you looking for test card numbers?

Would you like to contact support?

Payment-method icon

ACH Direct Debit for API only

Add ACH Direct Debit to an existing API-only integration.

Accept ACH Direct Debit payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

Before you begin

These instructions explain how to add ACH Direct Debit to your existing API-only integration. The API-only integration works the same way for all payment methods. If you haven't done this integration yet, refer to our API-only integration guide.

Before starting your ACH Direct Debit integration:

  1. Make sure that you have set up your back end implementation.
  2. Add ACH Direct Debit in your test Customer Area.

Build your payment form for ACH Direct Debit

When a shopper chooses to pay with ACH Direct Debit, collect the following payment details in your payment form:

Payment details Example
Bank account number The US bank account number from which the payment will be debited.

Format: numeric.
Minimum length: 4
Maximum length: 17

Example: 01234567890123
Bank routing number The 9-digit ABA routing transit number of the account.

Do not remove any leading zeros.

Example: 123456789
Adyen performs validation to ensure the routing number is genuine.
Account Owner's Name "John Smith"
Account Owner's Address A valid US address (optional field).

We provide an ACH Direct Debit logo which you can use in your payment form. For more information, refer to Downloading logos.

You can also get the required fields from the /paymentMethods response as explained in our API-only integration guide. In your request, specify:

  • countryCode: US
  • amount.currency: USD

The required fields are included in the object with type ach.

Make a payment

From your server, make a /payments request, specifying:

  • paymentMethod.type: ach
  • paymentMethod.bankAccountNumber: The bank account number.
  • paymentMethod.bankLocationId: The bank routing number of the account.
  • paymentMethod.ownerName: The name on the bank account.
  • billingAddress (Optional): Account owner's address information.

The following code sample is a /payments request for a ACH Direct Debit payment.

The /payments response contains:

  • resultCode: Authorised. This means that the payment has been successfully received by Adyen. However, it may take up to 5 business days to know whether the payment was authorized by the bank. If the payment is successful, it will appear in the Settlement details report. If it fails, you will receive a CHARGEBACK notification.
  • pspReference: Our unique reference for the payment.

Present the payment result

Use the  resultCode that you received in the /payments response to present the payment result to your shopper.

The resultCode values you can receive for ACH Direct Debit are:

resultCode Description Action to take
Authorised The payment has been successfully received by Adyen.
It may take up to 5 business days to know whether the payment was authorized by the bank. If the payment is successful, it will appear in the Settlement Detail Report. If it fails, you will receive a CHARGEBACK notification.
Inform the shopper that the payment was successful.
Refused The payment was refused. Ask the shopper to try the payment again using a different payment method.


The ACH network is unable to provide real-time authorizations. This means that a payment can be reversed because of insufficient funds after the payment is authorized. Also, customers can ask for a refund up to 60 days after the payment is settled to your account.

If an ACH Direct Debit payment is returned, your Settlement details report will show a credit and a corresponding debit, and you receive a CHARGEBACK webhook with a chargebackReasonCode.

You cannot defend against ACH Direct Debit chargebacks. Depending on the reason code, it may be allowed to retry the payment. For an overview of the chargeback process and reason codes, see ACH Direct Debit chargebacks.

Test and go live

Before making live ACH Direct Debit payments, use the following account details to test your integration.

Account Owner's Name Bank account number Bank routing number Account Owner's Address
Any name Any correctly formatted account number. Example: 123456789 011000138 or 121000358 Any correctly formatted US address.

See also