Integrate

Run a sale with bank account details

Our gateway supports the following bank transfer services:

  • Automated Clearing House (ACH): A service that U.S. banks use to transfer funds between accounts.
  • Pre-Authorized Debit (PAD): A service that Canadian banks use to transfer funds between accounts.

Integration steps

  • Create a bank transfer payment.

Before you begin

Bearer tokens

Use our Identity Service to generate a Bearer token to include in the header of your requests. To generate your Bearer token, complete the following steps:

  1. Include your API key in the x-api-key parameter in the header of a POST request.
  2. Send your request to https://identity.payroc.com/authorize.

Note: You need to generate a new Bearer token before the previous Bearer token expires.

Example request

$curl --location --request POST  'https://identity.payroc.com/authorize' --header 'x-api-key: <api key>'

Example response

If your request is successful, we return a response that contains your Bearer token, information about its scope, and when it expires.

1{
2  "access_token": "eyJhbGc....adQssw5c",
3  "expires_in": 3600,
4  "scope": "service_a service_b",
5  "token_type": "Bearer"
6}

Headers

To create the header of each POST request, you must include the following parameters:

  • Content-Type: Include application/json as the value for this parameter.
  • Authorization: Include your Bearer token in this parameter.
  • Idempotency-Key: Include a UUID v4 to make the request idempotent.
$curl
>-H "Content-Type: application/json"
>-H "Authorization: <Bearer token>"
>-H "Idempotency-Key: <UUID v4>"

Errors

If your request is unsuccessful, we return an error. For more information about errors, see Errors.

Create a bank transfer payment

To create a bank transfer payment, send a POST request to our Bank Transfer Payments endpoint.

Request parameters

To create the body of your request, use the following parameters:

Request

processingTerminalIdstringRequired>=4 characters<=50 characters
Unique identifier that we assigned to the terminal.
orderobjectRequired
Object that contains information about the transaction.
paymentMethodobjectRequired
Object that contains information about the customer's payment details.
customerobjectOptional
Object that contains information about the customer.
credentialOnFileobjectOptional
Object that contains information about saving the customer’s payment details.
customFieldslist of objectsOptional
Array of customField objects.

Example request

POST
/v1/bank-transfer-payments
1curl -X POST https://api.payroc.com/v1/bank-transfer-payments \
2     -H "Idempotency-Key: 8e03978e-40d5-43e8-bc93-6894a57f9324" \
3     -H "Authorization: Bearer <token>" \
4     -H "Content-Type: application/json" \
5     -d '{
6  "processingTerminalId": "ready",
7  "order": {
8    "amount": 4999,
9    "currency": "AED",
10    "orderId": "OrderRef6543"
11  },
12  "paymentMethod": {
13    "type": "ach",
14    "nameOnAccount": "Shara Hazel Hopper",
15    "accountNumber": "1234567890",
16    "routingNumber": "123456789"
17  }
18}'

Response fields

If your request is successful, we create the payment and return the following response:

Response

paymentIdstringRequired=10 characters
Unique identifier that we assigned to the payment.
processingTerminalIdstringRequired>=4 characters<=50 characters
Unique identifier that we assigned to the terminal.
orderobjectRequired
Object that contains information about the transaction.
bankAccountobjectRequired
Object that contains information about the bank account.
transactionResultobjectRequired
Object that contains information about the transaction.
customerobjectOptional
Object that contains information about the customer.
refundslist of objectsOptional
List of refunds issued against the payment
returnslist of objectsOptional
List of returns issued against the payment
representmentobjectOptional
Object that contains information about a payment.
customFieldslist of objectsOptional
Array of customField objects.

Example response

Response
1{
2  "paymentId": "M2MJOG6O2Y",
3  "processingTerminalId": "1234001",
4  "order": {
5    "amount": 4999,
6    "currency": "USD",
7    "orderId": "OrderRef6543",
8    "breakdown": {
9      "subtotal": 4347,
10      "tip": {
11        "type": "percentage",
12        "amount": 435,
13        "percentage": 10
14      },
15      "taxes": [
16        {
17          "name": "Sales Tax",
18          "rate": 5,
19          "amount": 217
20        }
21      ]
22    },
23    "dateTime": "2024-07-02T15:30:00Z",
24    "description": "Large Pepperoni Pizza"
25  },
26  "bankAccount": {
27    "type": "ach",
28    "secCode": "web",
29    "nameOnAccount": "Sarah Hazel Hopper",
30    "accountNumber": "****3159",
31    "routingNumber": "063100277",
32    "secureToken": {
33      "secureTokenId": "MREF_abc1de23-f4a5-6789-bcd0-12e345678901fa",
34      "customerName": "Sarah Hazel Hopper",
35      "token": "296753123456",
36      "status": "notValidated",
37      "link": {
38        "rel": "self",
39        "method": "GET",
40        "href": "https://api.payroc.com/v1/processing-terminals/1234001/secure-tokens/MREF_abc1de23-f4a5-6789-bcd0-12e345678901fa"
41      }
42    }
43  },
44  "transactionResult": {
45    "type": "payment",
46    "status": "ready",
47    "responseMessage": "NoError",
48    "authorizedAmount": 4999,
49    "currency": "USD",
50    "responseCode": "A",
51    "processorResponseCode": "0"
52  },
53  "customer": {
54    "notificationLanguage": "en",
55    "contactMethods": [
56      {
57        "type": "email",
58        "value": "[email protected]"
59      }
60    ]
61  },
62  "customFields": [
63    {
64      "name": "yourCustomField",
65      "value": "abc123"
66    }
67  ]
68}

Test cases

Before you run test cases, read the Payments page in Test Your Integration.

Run a sale with bank account details

Send a POST request to the following endpoint:

POST https://api.uat.payroc.com/v1/bank-transfer-payments

Example response

1{
2    "channel": "POS",
3    "processingTerminalId": "3204001",
4    "operator": "Davi-CHP",
5    "order": {
6        "orderId": "CC-12",
7        "description": "BT ACH - Sale with CC",
8        "currency": "USD",
9        "amount": 9700
10    },
11    "paymentMethod": {
12        "type": "ach",
13        "accountType": "checking",
14        "secCode": "web",
15        "nameOnAccount": "Davi",
16        "accountNumber": "49100130",
17        "routingNumber": "292735277"
18    }
19}