No momento, esta página não está disponível em português
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.

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 ACH routing number of the account.
Alert your shoppers that some banks have different routing numbers for different transfers. Shoppers should not provide their wire transfer routing number.

Do not remove any leading zeros. Adyen performs validation to ensure the routing number is genuine.

Example: 123456789
Bank account type checking or savings
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 /paymentMethods request, specify:

  • countryCode: US
  • amount.currency: USD

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

Bank account type

Customers can use both checking accounts and savings accounts to make ACH payments. If you don't provide the bankAccountType in your payment request, this defaults to checking 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.

To avoid chargebacks, we recommend collecting the bank account type from the customer, and providing it in your payment request.

Make a payment

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

    • paymentMethod.type: ach
    • paymentMethod.bankAccountNumber: the bank account number.
    • paymentMethod.bankAccountType: the type of bank account. Allowed values: checking, savings.
    • paymentMethod.bankLocationId: the ACH routing number of the account.
    • paymentMethod.ownerName: the name on the bank account.
    • billingAddress (Optional): the account owner's address information.

    The following example shows a /payments request for an ACH Direct Debit payment.

  2. In the /payments response, note the following:

    • 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 may receive a chargeback.
    • pspReference: Our unique reference for the payment.
    {
       "pspReference":"881535534794261C",
       "resultCode":"Authorised"
    }

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.

Chargebacks

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. Other reasons why ACH Direct Debit payments are reversed include:

  • Business-to-business transactions can be reversed if your customer's business account does not have Adyen's ACH Company ID in their allowlist.
  • Customers have the right to ask for a refund up to 60 days after the payment is settled to your account.

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

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

Test and go live

You can test ACH Direct Debit payments as well as chargebacks.

Test the payment flow

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

ownerName bankAccountNumber bankLocationId
(routing number)
billingAddress
(account owner's address)
Any name Any correctly formatted account number.
Example: 1234567890
011000138 or 121000358 Any correctly formatted US address.

Test the chargeback flow

You can test the chargeback flow by making test payments with an ownerName value that consists of chargeback: followed by an ACH return reason code. For example, chargeback:R01. The other account details to use are the same as when testing payments.

For instructions, see Test a chargeback scenario.

See also