Make ACH Credit Transaction

Intro

API Basics

Pay In Endpoints

Pay Out Endpoints

MoneyOut
Bill

Pay Ops Endpoints

Templates
Boarding
Chargebacks and ACH Returns
Entities
Notification
Query
Statistic
Export
Import

Object Models

Object Model References

POST

MoneyIn

makecredit

curl --request POST \
  --url https://api-sandbox.payabli.com/api/MoneyIn/makecredit \
  --header 'Content-Type: application/json' \
  --header 'requestToken: <api-key>' \
  --data '{
  "entrypoint": "my-entrypoint",
  "paymentMethod": {
    "method": "ach",
    "achHolder": "John Smith",
    "achRouting": "021000021",
    "achAccount": "88354454",
    "achAccountType": "Checking"
  },
  "paymentDetails": {
    "totalAmount": 1,
    "serviceFee": 0
  },
  "customerData": {
    "customerNumber": "100",
    "billingAddress1": "5127 Linkwood ave"
  }
}'

{
  "responseText": "Success",
  "isSuccess": true,
  "responseData": {
    "authCode": null,
    "referenceId": "148-7e1528b9b7ab56d0bf3b837237b84479",
    "resultCode": 1,
    "resultText": "Approved",
    "avsResponseText": null,
    "cvvResponseText": null,
    "customerId": 100
  }
}

Authorizations

requestToken

string

header

required

Most endpoints require an organization token. Some endpoints require an application token, and those endpoints are noted.

Headers

idempotencyKey

string

A unique ID you can include to prevent duplicating objects or transactions if a request is sent more than once. This key is not generated in Payabli, you must generate it yourself.

Query Parameters

forceCustomerCreation

boolean

default:

false

When true, the request creates a new customer record, regardless of whether customer identifiers match an existing customer.

Body

Model for the request body for a microdeposit (MakeCredit) transaction.

customerData

object

required

Object describing the customer/payor.

customerData.additionalData

object

Custom dictionary of key:value pairs. You can use this field to store any data related to the object or for your system. If you are using custom identifiers, pass those in this object. Example usage:

{
  "additionalData": {
    "CustomIdentifier": "value",
    "key2": "value2",
    "key3": "value3"
  }
}

customerData.billingAddress1

string | null

Customer's billing address.

Maximum length: 250

customerData.billingAddress2

string | null

Additional line for Customer's billing address.

Maximum length: 100

customerData.billingCity

string | null

Customer's billing city.

Maximum length: 250

customerData.billingCountry

string | null

Customer's billing country.

Maximum length: 100

customerData.billingEmail

string | null

Customer's email address.

Maximum length: 250

customerData.billingPhone

string | null

Customer's phone number.

Maximum length: 50

customerData.billingState

string | null

Customer's billing state. Must be 2-letter state code for address in US.

Maximum length: 250

customerData.billingZip

string | null

Customer's billing ZIP code.

Maximum length: 50

customerData.company

string | null

Customer's company name.

Maximum length: 250

customerData.customerId

integer | null

The Payabli-generated unique ID for the customer.

customerData.customerNumber

string | null

User-provided unique identifier for the customer. This is typically the customer ID from your own system.

Maximum length: 250

customerData.firstName

string | null

Customer/Payor first name.

Maximum length: 250

customerData.identifierFields

(string | null)[] | null

List of fields acting as customer identifiers, to be used instead of CustomerNumber.

customerData.lastName

string | null

Customer/Payor last name.

Maximum length: 250

customerData.shippingAddress1

string | null

The shipping address.

Maximum length: 250

customerData.shippingAddress2

string | null

Additional line for shipping address.

Maximum length: 100

customerData.shippingCity

string | null

Shipping city.

Maximum length: 250

customerData.shippingCountry

string | null

Shipping address country.

Maximum length: 100

customerData.shippingState

string | null

Shipping state or province.

customerData.shippingZip

string | null

Shipping ZIP code.

Maximum length: 50

paymentDetails

object

required

The PaymentDetail object for microdeposit (MakeCredit) transactions.

paymentMethod

object

required

Object describing the ACH payment method to use for transaction.

accountId

string | null

Custom identifier for payment connector.

Maximum length: 250

entrypoint

string | null

The entrypoint identifier.

Maximum length: 50

orderDescription

string | null

Text description of the transaction.

Maximum length: 250

orderId

string | null

Custom identifier for the transaction.

Maximum length: 250

source

string | null

Custom identifier to indicate the transaction or request source.

Maximum length: 100

subdomain

string | null

Refers to the payment page identifier. If provided, then the transaction is linked to the payment page.

Maximum length: 50

Response

200 - application/json

General response for certain moneyIn and moneyOut endpoints.

isSuccess

boolean

Boolean indicating whether the operation was successful. A true value indicates success. A false value indicates failure.

pageIdentifier

string | null

Auxiliary validation used internally by payment pages and components.

responseData

object | null

The object containing the response data.

responseText

string | null

Response text for operation: 'Success' or 'Declined'.

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Send Receipt Reverse ACH Credit

curl --request POST \
  --url https://api-sandbox.payabli.com/api/MoneyIn/makecredit \
  --header 'Content-Type: application/json' \
  --header 'requestToken: <api-key>' \
  --data '{
  "entrypoint": "my-entrypoint",
  "paymentMethod": {
    "method": "ach",
    "achHolder": "John Smith",
    "achRouting": "021000021",
    "achAccount": "88354454",
    "achAccountType": "Checking"
  },
  "paymentDetails": {
    "totalAmount": 1,
    "serviceFee": 0
  },
  "customerData": {
    "customerNumber": "100",
    "billingAddress1": "5127 Linkwood ave"
  }
}'

{
  "responseText": "Success",
  "isSuccess": true,
  "responseData": {
    "authCode": null,
    "referenceId": "148-7e1528b9b7ab56d0bf3b837237b84479",
    "resultCode": 1,
    "resultText": "Approved",
    "avsResponseText": null,
    "cvvResponseText": null,
    "customerId": 100
  }
}