ACH Payment API

POST

/ach/payments

Customers can pay ACH payments by phone call i.e., CBP, or an e-check from any online portal i.e., ICA. Check details can be stored for future use.

Headers

PARAMETER	DESCRIPTION
gpsToken	Token obtained in response to merchant authentication API for e-check.
Content-Type	Content type. Available values : application/json Default value : application/json

Request

{
    "channel": "GPS",
    "amount": "37.00",
    "requestType": "check",
    "isSaveCheck": "Y",
    "routingNumber": "021300912",
    "accountNumber": "30733816",
    "accountType": "S",
    "checkType": "P",
    "sessionId": "{{$timestamp}}",
    "firstName": "Alakesh",
    "lastName": "Das",
    "addressOne": "Kestopur",
    "addressTwo": "KOLKATA",
    "city": "Washington",
    "state": "DC",
    "zip": "20008",
    "phoneNumber": "9831099948",
    "clientRequestId": "{{$timestamp}}",
    "merchantId": "{{icaSubMerchantId}}",
    "currency": "USD",
    "achType": "ICA",
    "email": "sriramk@utilli.com",
    "customerNumber": "000210130323"
  }

Parameters

NAME	DESCRIPTION
Channel	String Example: GPS Payment channel used.
Amount	Number Example: 10.99 Amount of the transaction.
Fee	Number Example: 1.05 Applicable only for the convenience fee model.
Request Type	String Type of the payment request. Possible values are: "check" is passed when making the payment using a check. "token" is passed when making the payment using the saved check.
isSavecheck	Boolean Example: Y To save customer's check details for future use. Possible values are: "Y" to save check details "N" to not check details
Routing Number	String Example:125675432 Bank routing number. Optional field if Request Type is "token".
Account Number	String Example:12567543 Bank account number. Optional field if Request Type is "token".
Account Type	String Example: S Identifies if the account type is Checking or Savings. Possible values are: “C” for Checking "S" for Savings
Check Type	String Example: P Identifies the check type is Personal or Company. Possible values are “P” for Personal “C” for Company
Session ID	String Timestamp, on which the payment was made.
First Name	String Example: Jane Customer billing first name.
Last Name	String Example: O' Calloway Customer billing first name.
Address One	String Example: 1234 Line Ave S. Customer billing address, first line.
Address Two	String Example: Ste 602 Customer billing address, second line.
City	String Example: Atlanta City of the address.
State	String Example: Florida The state of the address.
Zip	String Example:20008 Zip code of the address.
Phone Number	String Example: 9897767787 Customer's phone number. The maximum length is 10 excluding country code.
Client Request ID	String The unique identifier of the transaction generated by the API consumer.
Merchant ID	String Identifier of ACH provided by Monay GPS.
Currency	String Example: USD The currency of the payment.
ACH Type	String Possible values are: "ICA" for Internet check acceptance. "CBP" for Check by phone.
Email	String Example: abc.1234@monay.com The customer's email address.
Customer Number	String Example:000210130323 Length:12 Unique identifier of customer assigned by the sub-merchant.

Response

{
    "timeStamp": "1668517501842",
    "clientRequestId": "1668517502",
    "statusDesc": "success",
    "statusCode": "200",
    "transactionId": "68558483070",
    "orderId": "R-98303e39-2eb6-4f0c-8dca-1d9708d31e69",
    "token": "76e53238-595c-4d21-9cf4-6cf99356a6329dc0f653-5668-42e8-b71f-cb2446259845"
}

Response Codes

Code	Description
200	Success Response
400	The request cannot be validated.
401	The request cannot be authenticated or was submitted with the wrong credentials.

ACH Payment Reversal API

POST

/ach/payments/reversal/

ACH Payment Reversal API will be called when a customer requests a return or void of an ACH transaction from the Monay GPS portal. If the reversal is requested before 5 PM EST, it will be void otherwise it will be a return payment. A customer can request a return within 90 days of the payment.

Note: ACH payment reversal is embedded in the Monay GPS portal. When a user requests a reversal ACH Payment Reversal API will be called.

Headers

Parameter	Description
gpsToken	Token obtained in response to merchant authentication API for e-check.
Content-Type	Content type. Available values : application/json Default value : application/json

Request

{ 
    "merchantId": "{{icaSubMerchantId}}", 
    "channel": "GPS", 
    "clientRequestId": "{{icaClientRequestId}}", 
    "requestType": "return"
}

Parameters

Name	Description
Merchant ID	String Identifier of ACH provided by Monay GPS.
Channel	String Example: GPS Payment channel used.
Client Request ID	String The unique identifier of the transaction generated by the API consumer.
Request Type	String The payment request status. Possible values are: Void Return

Response

{
    "timeStamp": "1668518110463",
    "clientRequestId": "f8a4e71e-a557-49c9-80df-ef2b1dac82ee",
    "statusDesc": "success",
    "statusCode": "200",
    "transactionId": "69907190042",
    "orderId": "R-39ad4435-5349-4da3-bef9-73e48c3411e9",
    "token": null
}

Response Code

Code	Description
200	Success Response
400	The request cannot be validated.
401	The request cannot be authenticated or was submitted with the wrong credentials.