ACH Charge API - Secure Bank and Customer Payments

The ACH Charge endpoint allows for making a payment to a bank account or an existing customer’s account. When the payment is made for an existing customer, additional fields like billing address and ACH data are not required. For accounts with dual pricing, a discount is applied based on the configured merchant discount rate.

Key Features:

• Payment Flexibility: Allows payments to both bank accounts or existing customers.
• No Extra Data for Existing Customers: When paying for an existing customer, only basic payment details are required.
• Discount for Dual Pricing Accounts: If the account is dual pricing, a discount is automatically applied based on the merchant’s discount rate.

Required Parameters:

• key-hash: Must be included in the request headers for security.
• Amount: The payment amount.
• Customer or Bank Account Details: The target payment account (either a customer’s account or a bank account).
• ACH Data (if paying directly to a bank): Required if making a payment to a bank account.
• Billing Address (if paying directly to a customer): Optional for existing customers, not required for ACH payments to a bank.

Usage Notes:

• Discount Application: For dual pricing accounts, ensure that the merchant’s configured discount rate is considered when processing the payment.
• ACH Payment to Bank Accounts: ACH data must be correctly formatted to avoid errors.

Benefits:

• Streamlines payment processing for customers and bank accounts.
• Automatically applies discounts for dual pricing accounts, improving merchant satisfaction.

Reference to API Integration Documentation