{"title":"ACH Direct Debit for API only","category":"default","creationDate":1776961628,"content":"

You can add ACH Direct Debit to your existing integration. The following instructions show only what you must add to your integration specifically for ACH Direct Debit.<\/p>\n

If an instruction on this page corresponds with a step in the main integration guide, it includes a link to that corresponding step of the main integration guide.<\/p>\n

Requirements<\/h2>\n\n\n\n\n\n\n\n\n\n
Requirement<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
Integration type<\/strong><\/td>\nMake sure that you have an existing API-only integration<\/a>.
This page includes only instructions to add ACH Direct Debit to your existing integration.<\/td>\n<\/tr>\n
API credentials<\/a><\/strong><\/td>\nTo issue a refund using an API request, make sure you have the Merchant allow bank-refund<\/strong> role.<\/td>\n<\/tr>\n
Customer Area roles<\/a><\/strong><\/td>\nTo issue a refund using the Customer Area, make sure you have the Merchant allow bank-refund<\/strong> role.<\/td>\n<\/tr>\n
Webhooks<\/strong><\/td>\nSubscribe to DIRECT_DEBIT_NOTICE_OF_CHANGE_NOTIFICATION<\/a> webhooks to receive a notification when a shopper has outdated banking details.<\/td>\n <\/td>\n<\/tr>\n
Setup steps<\/strong><\/td>\n Before you begin, add ACH Direct Debit in your Customer Area<\/a>. <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Get ACH Direct Debit as an available payment method<\/h2>\n

When you make the \/paymentMethods<\/a> call to get available payment methods<\/a>, specify the following so that ACH Direct Debit is included in the response.<\/p>\n\n\n\n\n\n\n
Parameter<\/th>\nValues<\/th>\n<\/tr>\n<\/thead>\n
countryCode<\/a><\/td>\nUS<\/strong>, PR<\/strong><\/strong><\/td>\n<\/tr>\n
amount.currency<\/a><\/td>\nUSD<\/strong><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Build your payment form<\/h2>\n
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We provide the logo for ACH Direct Debit that you can download<\/a>.<\/p>\n<\/div><\/div>\n

When a customer chooses to pay with ACH Direct Debit, collect the following payment details in your payment form and use these to get a mandate from the customer<\/a>:<\/p>\n\n\n\n\n\n\n\n\n\n\n
Payment details<\/th>\nExample<\/th>\n<\/tr>\n<\/thead>\n
Bank account number<\/td>\nThe US bank account number from which the payment will be debited. Format: numeric. Minimum length: 4Maximum length: 17 Example: 01234567890123<\/code><\/td>\n<\/tr>\n
Bank routing number<\/td>\nThe 9-digit ACH routing number of the account.
Alert your customers that some banks have different routing numbers for different transfers. Customers should not provide their wire transfer routing number. <\/div>Do not remove any leading zeros. Adyen performs validation to ensure the routing number is genuine. Example: 123456789<\/code><\/td>\n<\/tr>\n
Bank account type<\/a><\/td>\nchecking<\/strong><\/span> or savings<\/strong><\/span><\/td>\n<\/tr>\n
Account holder name<\/td>\n\"John Smith\"<\/td>\n<\/tr>\n
Account holder address<\/td>\nA valid US address (optional field).<\/td>\n<\/tr>\n
Type of account holder<\/td>\npersonal<\/strong><\/span> or business<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Bank account type<\/h3>\n

Customers can use both checking accounts and savings accounts to make ACH payments. If you do not provide the bankAccountType<\/code> in your payment request, this defaults to checking<\/strong><\/span> account. In cases where the account type defaulted to checking account while the customer provided the account number of a savings account, this mismatch will lead to a chargeback.<\/p>\n

To avoid chargebacks, we recommend collecting the bank account type from the customer, and providing it in your payment request.<\/p>\n

SEC code<\/h3>\n

Nacha requires a Standard Entry Class (SEC) code<\/a> for ACH payments. If you do not provide the correct SEC code, you risk chargebacks and potential fines.<\/p>\n

Collect the account holder type (personal<\/strong><\/span> or business<\/strong><\/span>) from the customer and provide the appropriate SEC code in your payment request. There are a few ways you can specify an SEC code:<\/p>\n