ACH

Initiate an ACH bank transfer charge. A payment can be made using raw ACH account data or for an existing customer vault. If charging a customer vault, the billingAddress and achData fields are not required — the vault's default payment method is used.

Dual-pricing accounts: amount represents the cash price; a discount is applied based on the configured discount rate.

achData.accountType values: businessChecking, businessSavings, personalChecking, personalSavings.

achData.last4 must be the last 4 digits of the account number (regex: \d{4}).

Post a refund on a previously created ACH payment. Funds are returned to the original bank account.

Important: There is a mandatory delay of 3–6 minutes between the original transaction and when a refund can be processed. ACH refunds must be for the exact amount of the original transaction — partial refunds are not allowed. A refund on a fully refunded payment will result in an error. amount is expressed in cents (e.g. 100 = $1.00). reason is free text and is required.

Void an existing ACH payment that has not yet been settled. Once voided, no additional charges can be made.

reason values (ACH-specific): fraud, user_cancel, icc_rejected, insufficient_funds, incorrect_information, pos_timeout.

Set receipt=true to send a receipt notification to the customer via email or SMS.

Returns a paginated list of ACH payments. Filter by date range, last 4 digits of the account number, or authorization number.