# Make microdeposit

POST https://api-sandbox.payabli.com/api/MoneyIn/makecredit
Content-Type: application/json

Make a temporary microdeposit in a customer account to verify the customer's ownership and access to the target account. Reverse the microdeposit with `reverseCredit`.

This feature must be enabled by Payabli on a per-merchant basis. Contact support for help. 

Reference: https://docs.payabli.com/developers/api-reference/moneyin/make-an-ach-credit-transaction

## OpenAPI Specification

```yaml
openapi: 3.1.1
info:
  title: Make an ACH credit transaction
  version: endpoint_moneyIn.Credit
paths:
  /MoneyIn/makecredit:
    post:
      operationId: credit
      summary: Make an ACH credit transaction
      description: >-
        Make a temporary microdeposit in a customer account to verify the
        customer's ownership and access to the target account. Reverse the
        microdeposit with `reverseCredit`.


        This feature must be enabled by Payabli on a per-merchant basis. Contact
        support for help. 
      tags:
        - - subpackage_moneyIn
      parameters:
        - name: forceCustomerCreation
          in: query
          required: false
          schema:
            $ref: '#/components/schemas/type_:ForceCustomerCreation'
        - name: requestToken
          in: header
          required: true
          schema:
            type: string
        - name: idempotencyKey
          in: header
          required: false
          schema:
            $ref: '#/components/schemas/type_:IdempotencyKey'
      responses:
        '200':
          description: >-
            Success. The `referenceId` returned in a successful response is the
            `transId` value you need to reverse the microdeposit.


            A "Missing Gateway Data" message can indicate that the entrypoint
            targeted in the request isn't set up for ACH payments.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/type_:PayabliApiResponse0'
        '400':
          description: Bad request/ invalid data
          content: {}
        '401':
          description: Unauthorized request.
          content: {}
        '500':
          description: Internal API Error
          content: {}
        '503':
          description: Database connection error
          content: {}
      requestBody:
        content:
          application/json:
            schema:
              type: object
              properties:
                accountId:
                  $ref: '#/components/schemas/type_:Accountid'
                customerData:
                  $ref: '#/components/schemas/type_:PayorDataRequest'
                  description: Object describing the customer/payor.
                entrypoint:
                  $ref: '#/components/schemas/type_:Entrypointfield'
                orderDescription:
                  $ref: '#/components/schemas/type_:Orderdescription'
                orderId:
                  $ref: '#/components/schemas/type_:OrderId'
                paymentDetails:
                  $ref: '#/components/schemas/type_:PaymentDetailCredit'
                paymentMethod:
                  $ref: '#/components/schemas/type_moneyIn:RequestCreditPaymentMethod'
                  description: >-
                    Object describing the ACH payment method to use for
                    transaction.
                source:
                  $ref: '#/components/schemas/type_:Source'
                subdomain:
                  $ref: '#/components/schemas/type_:Subdomain'
              required:
                - customerData
                - paymentDetails
                - paymentMethod
components:
  schemas:
    type_:ForceCustomerCreation:
      type: boolean
    type_:IdempotencyKey:
      type: string
    type_:Accountid:
      type: string
    type_:AdditionalData:
      type: object
      additionalProperties:
        type: object
        additionalProperties:
          description: Any type
    type_:BillingAddressNullable:
      type: string
    type_:BillingAddressAddtlNullable:
      type: string
    type_:BillingCityNullable:
      type: string
    type_:BillingCountryNullable:
      type: string
    type_:Email:
      type: string
      format: email
    type_:PhoneNumber:
      type: string
    type_:BillingStateNullable:
      type: string
    type_:BillingZip:
      type: string
    type_:CustomerId:
      type: integer
      format: int64
    type_:CustomerNumberNullable:
      type: string
    type_:Identifierfields:
      type: array
      items:
        type: string
    type_:Shippingaddress:
      type: string
    type_:Shippingaddressadditional:
      type: string
    type_:Shippingcity:
      type: string
    type_:Shippingcountry:
      type: string
    type_:Shippingstate:
      type: string
    type_:Shippingzip:
      type: string
    type_:PayorDataRequest:
      type: object
      properties:
        additionalData:
          $ref: '#/components/schemas/type_:AdditionalData'
        billingAddress1:
          $ref: '#/components/schemas/type_:BillingAddressNullable'
        billingAddress2:
          $ref: '#/components/schemas/type_:BillingAddressAddtlNullable'
        billingCity:
          $ref: '#/components/schemas/type_:BillingCityNullable'
        billingCountry:
          $ref: '#/components/schemas/type_:BillingCountryNullable'
        billingEmail:
          $ref: '#/components/schemas/type_:Email'
        billingPhone:
          $ref: '#/components/schemas/type_:PhoneNumber'
        billingState:
          $ref: '#/components/schemas/type_:BillingStateNullable'
        billingZip:
          $ref: '#/components/schemas/type_:BillingZip'
          description: >-
            Customer's billing ZIP code. For Pay In functions, this field
            supports 5-digit and 9-digit ZIP codes and alphanumeric Canadian
            postal codes. For example: "37615-1234" or "37615".
        company:
          type: string
          description: Customer's company name.
        customerId:
          $ref: '#/components/schemas/type_:CustomerId'
        customerNumber:
          $ref: '#/components/schemas/type_:CustomerNumberNullable'
        firstName:
          type: string
          description: Customer/Payor first name.
        identifierFields:
          $ref: '#/components/schemas/type_:Identifierfields'
        lastName:
          type: string
          description: Customer/Payor last name.
        shippingAddress1:
          $ref: '#/components/schemas/type_:Shippingaddress'
        shippingAddress2:
          $ref: '#/components/schemas/type_:Shippingaddressadditional'
        shippingCity:
          $ref: '#/components/schemas/type_:Shippingcity'
        shippingCountry:
          $ref: '#/components/schemas/type_:Shippingcountry'
        shippingState:
          $ref: '#/components/schemas/type_:Shippingstate'
        shippingZip:
          $ref: '#/components/schemas/type_:Shippingzip'
    type_:Entrypointfield:
      type: string
    type_:Orderdescription:
      type: string
    type_:OrderId:
      type: string
    type_:PaymentDetailCredit:
      type: object
      properties:
        currency:
          type: string
          description: >-
            Currency code ISO-4217. If not code is provided the currency in the
            paypoint setting is taken. Default is **USD**
        serviceFee:
          type: number
          format: double
          description: >-
            Service fee to be deducted from the total amount. This amount must
            be a number, percentages aren't accepted. If you are using a
            percentage-based fee schedule, you must calculate the value
            manually.
        totalAmount:
          type: number
          format: double
          description: >-
            Total amount to be charged. If a service fee is provided, then this
            amount should include the service fee.
      required:
        - totalAmount
    type_:Achaccount:
      type: string
    type_:Achaccounttype:
      type: string
      enum:
        - value: Checking
        - value: Savings
    type_:AchSecCode:
      type: string
    type_:AchHolder:
      type: string
    type_:Achrouting:
      type: string
    type_moneyIn:RequestCreditPaymentMethod:
      type: object
      properties:
        achAccount:
          $ref: '#/components/schemas/type_:Achaccount'
        achAccountType:
          $ref: '#/components/schemas/type_:Achaccounttype'
        achCode:
          $ref: '#/components/schemas/type_:AchSecCode'
        achHolder:
          $ref: '#/components/schemas/type_:AchHolder'
          description: Bank account holder.
        achRouting:
          $ref: '#/components/schemas/type_:Achrouting'
        method:
          type: string
          enum:
            - type: stringLiteral
              value: ach
          description: Method to use for the transaction. Must be ACH.
      required:
        - method
    type_:Source:
      type: string
    type_:Subdomain:
      type: string
    type_:IsSuccess:
      type: boolean
    type_:PageIdentifier:
      type: string
    type_:Authcode:
      type: string
    type_:AvsResponseText:
      type: string
    type_:Customeridtrans:
      type: integer
      format: int64
    type_:CvvResponseText:
      type: string
    type_:MethodReferenceId:
      type: string
    type_:Referenceidtrans:
      type: string
    type_:ResultCode:
      type: integer
    type_:Resulttext:
      type: string
    type_:PayabliApiResponse0ResponseData:
      type: object
      properties:
        AuthCode:
          $ref: '#/components/schemas/type_:Authcode'
        avsResponseText:
          $ref: '#/components/schemas/type_:AvsResponseText'
        CustomerId:
          $ref: '#/components/schemas/type_:Customeridtrans'
        cvvResponseText:
          $ref: '#/components/schemas/type_:CvvResponseText'
        methodReferenceId:
          $ref: '#/components/schemas/type_:MethodReferenceId'
        ReferenceId:
          $ref: '#/components/schemas/type_:Referenceidtrans'
        ResultCode:
          $ref: '#/components/schemas/type_:ResultCode'
        ResultText:
          $ref: '#/components/schemas/type_:Resulttext'
    type_:ResponseText:
      type: string
    type_:PayabliApiResponse0:
      type: object
      properties:
        isSuccess:
          $ref: '#/components/schemas/type_:IsSuccess'
        pageIdentifier:
          $ref: '#/components/schemas/type_:PageIdentifier'
        responseData:
          $ref: '#/components/schemas/type_:PayabliApiResponse0ResponseData'
        responseText:
          $ref: '#/components/schemas/type_:ResponseText'
      required:
        - responseText

```

## SDK Code Examples

```python MinimumFields
from payabli import PaymentDetailCredit, PayorDataRequest, payabli
from payabli.money_in import RequestCreditPaymentMethod

client = payabli(
    api_key="YOUR_API_KEY",
)
client.money_in.credit(
    idempotency_key="6B29FC40-CA47-1067-B31D-00DD010662DA",
    customer_data=PayorDataRequest(
        billing_address_1="5127 Linkwood ave",
        customer_number="100",
    ),
    entrypoint="my-entrypoint",
    payment_details=PaymentDetailCredit(
        service_fee=0.0,
        total_amount=1.0,
    ),
    payment_method=RequestCreditPaymentMethod(
        ach_account="88354454",
        ach_account_type="Checking",
        ach_holder="John Smith",
        ach_routing="021000021",
    ),
)

```

```typescript MinimumFields
import { PayabliClient } from "@payabli/sdk-node";

const client = new PayabliClient({ apiKey: "YOUR_API_KEY" });
await client.moneyIn.credit({
    idempotencyKey: "6B29FC40-CA47-1067-B31D-00DD010662DA",
    customerData: {
        billingAddress1: "5127 Linkwood ave",
        customerNumber: "100"
    },
    entrypoint: "my-entrypoint",
    paymentDetails: {
        serviceFee: 0,
        totalAmount: 1
    },
    paymentMethod: {
        achAccount: "88354454",
        achAccountType: "Checking",
        achHolder: "John Smith",
        achRouting: "021000021",
        method: "ach"
    }
});

```

```go MinimumFields
import (
	context "context"
	option "github.com/payabli/sdk-go/option"
	sdkgo "github.com/payabli/sdk-go"
	sdkgoclient "github.com/payabli/sdk-go/client"
)

client := sdkgoclient.NewClient(
	option.WithApiKey(
		"<YOUR_ApiKey>",
	),
)
response, err := client.MoneyIn.Credit(
	context.TODO(),
	&sdkgo.RequestCredit{
		IdempotencyKey: sdkgo.String(
			"6B29FC40-CA47-1067-B31D-00DD010662DA",
		),
		CustomerData: &sdkgo.PayorDataRequest{
			BillingAddress1: sdkgo.String(
				"5127 Linkwood ave",
			),
			CustomerNumber: sdkgo.String(
				"100",
			),
		},
		Entrypoint: sdkgo.String(
			"my-entrypoint",
		),
		PaymentDetails: &sdkgo.PaymentDetailCredit{
			ServiceFee: sdkgo.Float64(
				0,
			),
			TotalAmount: 1,
		},
		PaymentMethod: &sdkgo.RequestCreditPaymentMethod{
			AchAccount: sdkgo.String(
				"88354454",
			),
			AchAccountType: sdkgo.AchaccounttypeChecking,
			AchHolder: sdkgo.String(
				"John Smith",
			),
			AchRouting: sdkgo.String(
				"021000021",
			),
		},
	},
)

```

```csharp MinimumFields
using PayabliApi;

var client = new PayabliApiClient("API_KEY");
await client.MoneyIn.CreditAsync(
    new RequestCredit
    {
        IdempotencyKey = "6B29FC40-CA47-1067-B31D-00DD010662DA",
        CustomerData = new PayorDataRequest
        {
            BillingAddress1 = "5127 Linkwood ave",
            CustomerNumber = "100",
        },
        Entrypoint = "my-entrypoint",
        PaymentDetails = new PaymentDetailCredit { ServiceFee = 0, TotalAmount = 1 },
        PaymentMethod = new RequestCreditPaymentMethod
        {
            AchAccount = "88354454",
            AchAccountType = Achaccounttype.Checking,
            AchHolder = "John Smith",
            AchRouting = "021000021",
            Method = "ach",
        },
    }
);

```

```ruby MinimumFields
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.payabli.com/api/MoneyIn/makecredit")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["idempotencyKey"] = '6B29FC40-CA47-1067-B31D-00DD010662DA'
request["requestToken"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerData\": {\n    \"billingAddress1\": \"5127 Linkwood ave\",\n    \"customerNumber\": \"100\"\n  },\n  \"paymentDetails\": {\n    \"totalAmount\": 1,\n    \"serviceFee\": 0\n  },\n  \"paymentMethod\": {\n    \"method\": \"ach\",\n    \"achAccount\": \"88354454\",\n    \"achAccountType\": \"Checking\",\n    \"achHolder\": \"John Smith\",\n    \"achRouting\": \"021000021\"\n  },\n  \"entrypoint\": \"my-entrypoint\"\n}"

response = http.request(request)
puts response.read_body
```

```java MinimumFields
HttpResponse<String> response = Unirest.post("https://api-sandbox.payabli.com/api/MoneyIn/makecredit")
  .header("idempotencyKey", "6B29FC40-CA47-1067-B31D-00DD010662DA")
  .header("requestToken", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerData\": {\n    \"billingAddress1\": \"5127 Linkwood ave\",\n    \"customerNumber\": \"100\"\n  },\n  \"paymentDetails\": {\n    \"totalAmount\": 1,\n    \"serviceFee\": 0\n  },\n  \"paymentMethod\": {\n    \"method\": \"ach\",\n    \"achAccount\": \"88354454\",\n    \"achAccountType\": \"Checking\",\n    \"achHolder\": \"John Smith\",\n    \"achRouting\": \"021000021\"\n  },\n  \"entrypoint\": \"my-entrypoint\"\n}")
  .asString();
```

```php MinimumFields
<?php

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.payabli.com/api/MoneyIn/makecredit', [
  'body' => '{
  "customerData": {
    "billingAddress1": "5127 Linkwood ave",
    "customerNumber": "100"
  },
  "paymentDetails": {
    "totalAmount": 1,
    "serviceFee": 0
  },
  "paymentMethod": {
    "method": "ach",
    "achAccount": "88354454",
    "achAccountType": "Checking",
    "achHolder": "John Smith",
    "achRouting": "021000021"
  },
  "entrypoint": "my-entrypoint"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'idempotencyKey' => '6B29FC40-CA47-1067-B31D-00DD010662DA',
    'requestToken' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```swift MinimumFields
import Foundation

let headers = [
  "idempotencyKey": "6B29FC40-CA47-1067-B31D-00DD010662DA",
  "requestToken": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "customerData": [
    "billingAddress1": "5127 Linkwood ave",
    "customerNumber": "100"
  ],
  "paymentDetails": [
    "totalAmount": 1,
    "serviceFee": 0
  ],
  "paymentMethod": [
    "method": "ach",
    "achAccount": "88354454",
    "achAccountType": "Checking",
    "achHolder": "John Smith",
    "achRouting": "021000021"
  ],
  "entrypoint": "my-entrypoint"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.payabli.com/api/MoneyIn/makecredit")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

```python ComplexFields
from payabli import PaymentDetailCredit, PayorDataRequest, payabli
from payabli.money_in import RequestCreditPaymentMethod

client = payabli(
    api_key="YOUR_API_KEY",
)
client.money_in.credit(
    idempotency_key="6B29FC40-CA47-1067-B31D-00DD010662DA",
    customer_data=PayorDataRequest(
        billing_address_1="125 Main Street",
        billing_city="Kingsport",
        billing_email="johnnyp@email.com",
        company="Acme, Inc",
        customer_number="100",
        first_name="Johnny",
        last_name="Poulsbo",
    ),
    entrypoint="my-entrypoint",
    payment_details=PaymentDetailCredit(
        service_fee=0.0,
        total_amount=1.0,
    ),
    payment_method=RequestCreditPaymentMethod(
        ach_account="88354554",
        ach_account_type="Checking",
        ach_holder="John Poulsbo",
        ach_routing="029000021",
    ),
)

```

```typescript ComplexFields
import { PayabliClient } from "@payabli/sdk-node";

const client = new PayabliClient({ apiKey: "YOUR_API_KEY" });
await client.moneyIn.credit({
    idempotencyKey: "6B29FC40-CA47-1067-B31D-00DD010662DA",
    customerData: {
        billingAddress1: "125 Main Street",
        billingCity: "Kingsport",
        billingEmail: "johnnyp@email.com",
        company: "Acme, Inc",
        customerNumber: "100",
        firstName: "Johnny",
        lastName: "Poulsbo"
    },
    entrypoint: "my-entrypoint",
    paymentDetails: {
        serviceFee: 0,
        totalAmount: 1
    },
    paymentMethod: {
        achAccount: "88354554",
        achAccountType: "Checking",
        achHolder: "John Poulsbo",
        achRouting: "029000021",
        method: "ach"
    }
});

```

```go ComplexFields
import (
	context "context"
	option "github.com/payabli/sdk-go/option"
	sdkgo "github.com/payabli/sdk-go"
	sdkgoclient "github.com/payabli/sdk-go/client"
)

client := sdkgoclient.NewClient(
	option.WithApiKey(
		"<YOUR_ApiKey>",
	),
)
response, err := client.MoneyIn.Credit(
	context.TODO(),
	&sdkgo.RequestCredit{
		IdempotencyKey: sdkgo.String(
			"6B29FC40-CA47-1067-B31D-00DD010662DA",
		),
		CustomerData: &sdkgo.PayorDataRequest{
			BillingAddress1: sdkgo.String(
				"5127 Linkwood ave",
			),
			CustomerNumber: sdkgo.String(
				"100",
			),
		},
		Entrypoint: sdkgo.String(
			"my-entrypoint",
		),
		PaymentDetails: &sdkgo.PaymentDetailCredit{
			ServiceFee: sdkgo.Float64(
				0,
			),
			TotalAmount: 1,
		},
		PaymentMethod: &sdkgo.RequestCreditPaymentMethod{
			AchAccount: sdkgo.String(
				"88354454",
			),
			AchAccountType: sdkgo.AchaccounttypeChecking,
			AchHolder: sdkgo.String(
				"John Smith",
			),
			AchRouting: sdkgo.String(
				"021000021",
			),
		},
	},
)

```

```csharp ComplexFields
using PayabliApi;

var client = new PayabliApiClient("API_KEY");
await client.MoneyIn.CreditAsync(
    new RequestCredit
    {
        IdempotencyKey = "6B29FC40-CA47-1067-B31D-00DD010662DA",
        CustomerData = new PayorDataRequest
        {
            BillingAddress1 = "125 Main Street",
            BillingCity = "Kingsport",
            BillingEmail = "johnnyp@email.com",
            Company = "Acme, Inc",
            CustomerNumber = "100",
            FirstName = "Johnny",
            LastName = "Poulsbo",
        },
        Entrypoint = "my-entrypoint",
        PaymentDetails = new PaymentDetailCredit { ServiceFee = 0, TotalAmount = 1 },
        PaymentMethod = new RequestCreditPaymentMethod
        {
            AchAccount = "88354554",
            AchAccountType = Achaccounttype.Checking,
            AchHolder = "John Poulsbo",
            AchRouting = "029000021",
            Method = "ach",
        },
    }
);

```

```ruby ComplexFields
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.payabli.com/api/MoneyIn/makecredit")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["idempotencyKey"] = '6B29FC40-CA47-1067-B31D-00DD010662DA'
request["requestToken"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerData\": {\n    \"billingAddress1\": \"125 Main Street\",\n    \"billingCity\": \"Kingsport\",\n    \"billingEmail\": \"johnnyp@email.com\",\n    \"company\": \"Acme, Inc\",\n    \"customerNumber\": \"100\",\n    \"firstName\": \"Johnny\",\n    \"lastName\": \"Poulsbo\"\n  },\n  \"paymentDetails\": {\n    \"totalAmount\": 1,\n    \"serviceFee\": 0\n  },\n  \"paymentMethod\": {\n    \"method\": \"ach\",\n    \"achAccount\": \"88354554\",\n    \"achAccountType\": \"Checking\",\n    \"achHolder\": \"John Poulsbo\",\n    \"achRouting\": \"029000021\"\n  },\n  \"entrypoint\": \"my-entrypoint\"\n}"

response = http.request(request)
puts response.read_body
```

```java ComplexFields
HttpResponse<String> response = Unirest.post("https://api-sandbox.payabli.com/api/MoneyIn/makecredit")
  .header("idempotencyKey", "6B29FC40-CA47-1067-B31D-00DD010662DA")
  .header("requestToken", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerData\": {\n    \"billingAddress1\": \"125 Main Street\",\n    \"billingCity\": \"Kingsport\",\n    \"billingEmail\": \"johnnyp@email.com\",\n    \"company\": \"Acme, Inc\",\n    \"customerNumber\": \"100\",\n    \"firstName\": \"Johnny\",\n    \"lastName\": \"Poulsbo\"\n  },\n  \"paymentDetails\": {\n    \"totalAmount\": 1,\n    \"serviceFee\": 0\n  },\n  \"paymentMethod\": {\n    \"method\": \"ach\",\n    \"achAccount\": \"88354554\",\n    \"achAccountType\": \"Checking\",\n    \"achHolder\": \"John Poulsbo\",\n    \"achRouting\": \"029000021\"\n  },\n  \"entrypoint\": \"my-entrypoint\"\n}")
  .asString();
```

```php ComplexFields
<?php

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.payabli.com/api/MoneyIn/makecredit', [
  'body' => '{
  "customerData": {
    "billingAddress1": "125 Main Street",
    "billingCity": "Kingsport",
    "billingEmail": "johnnyp@email.com",
    "company": "Acme, Inc",
    "customerNumber": "100",
    "firstName": "Johnny",
    "lastName": "Poulsbo"
  },
  "paymentDetails": {
    "totalAmount": 1,
    "serviceFee": 0
  },
  "paymentMethod": {
    "method": "ach",
    "achAccount": "88354554",
    "achAccountType": "Checking",
    "achHolder": "John Poulsbo",
    "achRouting": "029000021"
  },
  "entrypoint": "my-entrypoint"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'idempotencyKey' => '6B29FC40-CA47-1067-B31D-00DD010662DA',
    'requestToken' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```swift ComplexFields
import Foundation

let headers = [
  "idempotencyKey": "6B29FC40-CA47-1067-B31D-00DD010662DA",
  "requestToken": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "customerData": [
    "billingAddress1": "125 Main Street",
    "billingCity": "Kingsport",
    "billingEmail": "johnnyp@email.com",
    "company": "Acme, Inc",
    "customerNumber": "100",
    "firstName": "Johnny",
    "lastName": "Poulsbo"
  ],
  "paymentDetails": [
    "totalAmount": 1,
    "serviceFee": 0
  ],
  "paymentMethod": [
    "method": "ach",
    "achAccount": "88354554",
    "achAccountType": "Checking",
    "achHolder": "John Poulsbo",
    "achRouting": "029000021"
  ],
  "entrypoint": "my-entrypoint"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.payabli.com/api/MoneyIn/makecredit")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```