# Create payment

`POST /bank-transfer-payments`

Use this method to run a sale with a customer's bank account details.  

In the response, our gateway returns information about the bank transfer payment and a paymentId, which you need for the following methods:  
-	[Retrieve payment](https://docs.payroc.com/api/schema/bank-transfer-payments/payments/retrieve) - View the details of the bank transfer payment.
-	[Reverse payment](https://docs.payroc.com/api/schema/bank-transfer-payments/refunds/reverse-payment) - Cancel the bank transfer payment if it's an open batch.
-	[Refund payment](https://docs.payroc.com/api/schema/bank-transfer-payments/refunds/refund) - Run a referenced refund to return funds to the customer's bank account.

**Payment methods**  

Our gateway accepts the following payment methods:  
-	Automated clearing house (ACH) details
-	Pre-authorized debit (PAD) details  

You can also use [secure tokens](https://docs.payroc.com/api/schema/payments/secure-tokens/overview) and [single-use tokens](https://docs.payroc.com/api/schema/tokenization/single-use-tokens/create) that you created from ACH details or PAD details.