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Run a sale

Run a card or bank account sale using a Hosted Fields single-use token by sending a POST request to the Payments or Bank Transfer Payments endpoint.

An AI skill is available for this guide, get it on the Skills Marketplace (GitHub).

After a customer enters their payment details into Hosted Fields, we tokenize them and return a single-use token. To run a sale, use the single-use token with our API.

The API method that you need to use depends on the payment type that the single-use token represents, for example, card details or bank account details.

Before you begin

Single-use token

Make sure that your integration can handle submissionSuccess events to receive a single-use token when a customer submits their payment details.

Authenticate your requests before making API calls. If your request fails, see Errors.

Integration steps

The method that you need to use to run the sale depends on the customer's payment type:

Run a sale with card details

To run a sale with card details, send a POST request to our Payments endpoint.

EnvironmentURL
Testhttps://api.uat.payroc.com/v1/payments
Productionhttps://api.payroc.com/v1/payments

Request parameters

Important: The request includes parameters for functions and features that we don't cover in this guide. These functions and features might require additional integration effort and cost. For more information, contact our Integrations Team at integrationsupport@payroc.com.

For the paymentMethod object, send values for the following parameters:

  • type: Send a value of singleUseToken.
  • token: Send the single-use token that you received in the submissionSuccess event.

Schema (request.body)

Request body schema for POST /payments

Example request

Request

POST https://api.payroc.com/v1/payments

Card Payment

curl
curl -X POST https://api.payroc.com/v1/payments \
     -H "Idempotency-Key: 8e03978e-40d5-43e8-bc93-6894a57f9324" \
     -H "Authorization: Bearer <token>" \
     -H "Content-Type: application/json" \
     -d '{
  "channel": "web",
  "processingTerminalId": "1234001",
  "order": {
    "orderId": "OrderRef6543",
    "amount": 4999,
    "currency": "USD",
    "description": "Large Pepperoni Pizza"
  },
  "paymentMethod": {
    "type": "card",
    "cardDetails": {
      "entryMethod": "keyed",
      "keyedData": {
        "dataFormat": "plainText",
        "cardNumber": "4539858876047062",
        "device": {
          "model": "paxA80",
          "serialNumber": "WPC202833004712"
        },
        "expiryDate": "1230"
      }
    }
  },
  "operator": "Jane",
  "customer": {
    "firstName": "Sarah",
    "lastName": "Hopper",
    "billingAddress": {
      "address1": "1 Example Ave.",
      "city": "Chicago",
      "state": "Illinois",
      "country": "US",
      "postalCode": "60056",
      "address2": "Example Address Line 2",
      "address3": "Example Address Line 3"
    },
    "shippingAddress": {
      "recipientName": "Sarah Hopper",
      "address": {
        "address1": "1 Example Ave.",
        "city": "Chicago",
        "state": "Illinois",
        "country": "US",
        "postalCode": "60056",
        "address2": "Example Address Line 2",
        "address3": "Example Address Line 3"
      }
    }
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}'

Card Payment

Python
import requests

url = "https://api.payroc.com/v1/payments"

payload = {
    "channel": "web",
    "processingTerminalId": "1234001",
    "order": {
        "orderId": "OrderRef6543",
        "amount": 4999,
        "currency": "USD",
        "description": "Large Pepperoni Pizza"
    },
    "paymentMethod": {
        "type": "card",
        "cardDetails": {
            "entryMethod": "keyed",
            "keyedData": {
                "dataFormat": "plainText",
                "cardNumber": "4539858876047062",
                "device": {
                    "model": "paxA80",
                    "serialNumber": "WPC202833004712"
                },
                "expiryDate": "1230"
            }
        }
    },
    "operator": "Jane",
    "customer": {
        "firstName": "Sarah",
        "lastName": "Hopper",
        "billingAddress": {
            "address1": "1 Example Ave.",
            "city": "Chicago",
            "state": "Illinois",
            "country": "US",
            "postalCode": "60056",
            "address2": "Example Address Line 2",
            "address3": "Example Address Line 3"
        },
        "shippingAddress": {
            "recipientName": "Sarah Hopper",
            "address": {
                "address1": "1 Example Ave.",
                "city": "Chicago",
                "state": "Illinois",
                "country": "US",
                "postalCode": "60056",
                "address2": "Example Address Line 2",
                "address3": "Example Address Line 3"
            }
        }
    },
    "customFields": [
        {
            "name": "yourCustomField",
            "value": "abc123"
        }
    ]
}
headers = {
    "Idempotency-Key": "8e03978e-40d5-43e8-bc93-6894a57f9324",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())

Card Payment

JavaScript
const url = 'https://api.payroc.com/v1/payments';
const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '8e03978e-40d5-43e8-bc93-6894a57f9324',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: '{"channel":"web","processingTerminalId":"1234001","order":{"orderId":"OrderRef6543","amount":4999,"currency":"USD","description":"Large Pepperoni Pizza"},"paymentMethod":{"type":"card","cardDetails":{"entryMethod":"keyed","keyedData":{"dataFormat":"plainText","cardNumber":"4539858876047062","device":{"model":"paxA80","serialNumber":"WPC202833004712"},"expiryDate":"1230"}}},"operator":"Jane","customer":{"firstName":"Sarah","lastName":"Hopper","billingAddress":{"address1":"1 Example Ave.","city":"Chicago","state":"Illinois","country":"US","postalCode":"60056","address2":"Example Address Line 2","address3":"Example Address Line 3"},"shippingAddress":{"recipientName":"Sarah Hopper","address":{"address1":"1 Example Ave.","city":"Chicago","state":"Illinois","country":"US","postalCode":"60056","address2":"Example Address Line 2","address3":"Example Address Line 3"}}},"customFields":[{"name":"yourCustomField","value":"abc123"}]}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}

Card Payment

go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.payroc.com/v1/payments"

	payload := strings.NewReader("{\n  \"channel\": \"web\",\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"card\",\n    \"cardDetails\": {\n      \"entryMethod\": \"keyed\",\n      \"keyedData\": {\n        \"dataFormat\": \"plainText\",\n        \"cardNumber\": \"4539858876047062\",\n        \"device\": {\n          \"model\": \"paxA80\",\n          \"serialNumber\": \"WPC202833004712\"\n        },\n        \"expiryDate\": \"1230\"\n      }\n    }\n  },\n  \"operator\": \"Jane\",\n  \"customer\": {\n    \"firstName\": \"Sarah\",\n    \"lastName\": \"Hopper\",\n    \"billingAddress\": {\n      \"address1\": \"1 Example Ave.\",\n      \"city\": \"Chicago\",\n      \"state\": \"Illinois\",\n      \"country\": \"US\",\n      \"postalCode\": \"60056\",\n      \"address2\": \"Example Address Line 2\",\n      \"address3\": \"Example Address Line 3\"\n    },\n    \"shippingAddress\": {\n      \"recipientName\": \"Sarah Hopper\",\n      \"address\": {\n        \"address1\": \"1 Example Ave.\",\n        \"city\": \"Chicago\",\n        \"state\": \"Illinois\",\n        \"country\": \"US\",\n        \"postalCode\": \"60056\",\n        \"address2\": \"Example Address Line 2\",\n        \"address3\": \"Example Address Line 3\"\n      }\n    }\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}

Card Payment

ruby
require 'uri'
require 'net/http'

url = URI("https://api.payroc.com/v1/payments")

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

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '8e03978e-40d5-43e8-bc93-6894a57f9324'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"channel\": \"web\",\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"card\",\n    \"cardDetails\": {\n      \"entryMethod\": \"keyed\",\n      \"keyedData\": {\n        \"dataFormat\": \"plainText\",\n        \"cardNumber\": \"4539858876047062\",\n        \"device\": {\n          \"model\": \"paxA80\",\n          \"serialNumber\": \"WPC202833004712\"\n        },\n        \"expiryDate\": \"1230\"\n      }\n    }\n  },\n  \"operator\": \"Jane\",\n  \"customer\": {\n    \"firstName\": \"Sarah\",\n    \"lastName\": \"Hopper\",\n    \"billingAddress\": {\n      \"address1\": \"1 Example Ave.\",\n      \"city\": \"Chicago\",\n      \"state\": \"Illinois\",\n      \"country\": \"US\",\n      \"postalCode\": \"60056\",\n      \"address2\": \"Example Address Line 2\",\n      \"address3\": \"Example Address Line 3\"\n    },\n    \"shippingAddress\": {\n      \"recipientName\": \"Sarah Hopper\",\n      \"address\": {\n        \"address1\": \"1 Example Ave.\",\n        \"city\": \"Chicago\",\n        \"state\": \"Illinois\",\n        \"country\": \"US\",\n        \"postalCode\": \"60056\",\n        \"address2\": \"Example Address Line 2\",\n        \"address3\": \"Example Address Line 3\"\n      }\n    }\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}"

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

Card Payment

Java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.payroc.com/v1/payments")
  .header("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"channel\": \"web\",\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"card\",\n    \"cardDetails\": {\n      \"entryMethod\": \"keyed\",\n      \"keyedData\": {\n        \"dataFormat\": \"plainText\",\n        \"cardNumber\": \"4539858876047062\",\n        \"device\": {\n          \"model\": \"paxA80\",\n          \"serialNumber\": \"WPC202833004712\"\n        },\n        \"expiryDate\": \"1230\"\n      }\n    }\n  },\n  \"operator\": \"Jane\",\n  \"customer\": {\n    \"firstName\": \"Sarah\",\n    \"lastName\": \"Hopper\",\n    \"billingAddress\": {\n      \"address1\": \"1 Example Ave.\",\n      \"city\": \"Chicago\",\n      \"state\": \"Illinois\",\n      \"country\": \"US\",\n      \"postalCode\": \"60056\",\n      \"address2\": \"Example Address Line 2\",\n      \"address3\": \"Example Address Line 3\"\n    },\n    \"shippingAddress\": {\n      \"recipientName\": \"Sarah Hopper\",\n      \"address\": {\n        \"address1\": \"1 Example Ave.\",\n        \"city\": \"Chicago\",\n        \"state\": \"Illinois\",\n        \"country\": \"US\",\n        \"postalCode\": \"60056\",\n        \"address2\": \"Example Address Line 2\",\n        \"address3\": \"Example Address Line 3\"\n      }\n    }\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}")
  .asString();

Card Payment

PHP
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.payroc.com/v1/payments', [
  'body' => '{
  "channel": "web",
  "processingTerminalId": "1234001",
  "order": {
    "orderId": "OrderRef6543",
    "amount": 4999,
    "currency": "USD",
    "description": "Large Pepperoni Pizza"
  },
  "paymentMethod": {
    "type": "card",
    "cardDetails": {
      "entryMethod": "keyed",
      "keyedData": {
        "dataFormat": "plainText",
        "cardNumber": "4539858876047062",
        "device": {
          "model": "paxA80",
          "serialNumber": "WPC202833004712"
        },
        "expiryDate": "1230"
      }
    }
  },
  "operator": "Jane",
  "customer": {
    "firstName": "Sarah",
    "lastName": "Hopper",
    "billingAddress": {
      "address1": "1 Example Ave.",
      "city": "Chicago",
      "state": "Illinois",
      "country": "US",
      "postalCode": "60056",
      "address2": "Example Address Line 2",
      "address3": "Example Address Line 3"
    },
    "shippingAddress": {
      "recipientName": "Sarah Hopper",
      "address": {
        "address1": "1 Example Ave.",
        "city": "Chicago",
        "state": "Illinois",
        "country": "US",
        "postalCode": "60056",
        "address2": "Example Address Line 2",
        "address3": "Example Address Line 3"
      }
    }
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
    'Idempotency-Key' => '8e03978e-40d5-43e8-bc93-6894a57f9324',
  ],
]);

echo $response->getBody();

Card Payment

C#
using RestSharp;

var client = new RestClient("https://api.payroc.com/v1/payments");
var request = new RestRequest(Method.POST);
request.AddHeader("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324");
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"channel\": \"web\",\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"card\",\n    \"cardDetails\": {\n      \"entryMethod\": \"keyed\",\n      \"keyedData\": {\n        \"dataFormat\": \"plainText\",\n        \"cardNumber\": \"4539858876047062\",\n        \"device\": {\n          \"model\": \"paxA80\",\n          \"serialNumber\": \"WPC202833004712\"\n        },\n        \"expiryDate\": \"1230\"\n      }\n    }\n  },\n  \"operator\": \"Jane\",\n  \"customer\": {\n    \"firstName\": \"Sarah\",\n    \"lastName\": \"Hopper\",\n    \"billingAddress\": {\n      \"address1\": \"1 Example Ave.\",\n      \"city\": \"Chicago\",\n      \"state\": \"Illinois\",\n      \"country\": \"US\",\n      \"postalCode\": \"60056\",\n      \"address2\": \"Example Address Line 2\",\n      \"address3\": \"Example Address Line 3\"\n    },\n    \"shippingAddress\": {\n      \"recipientName\": \"Sarah Hopper\",\n      \"address\": {\n        \"address1\": \"1 Example Ave.\",\n        \"city\": \"Chicago\",\n        \"state\": \"Illinois\",\n        \"country\": \"US\",\n        \"postalCode\": \"60056\",\n        \"address2\": \"Example Address Line 2\",\n        \"address3\": \"Example Address Line 3\"\n      }\n    }\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);

Card Payment

swift
import Foundation

let headers = [
  "Idempotency-Key": "8e03978e-40d5-43e8-bc93-6894a57f9324",
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "channel": "web",
  "processingTerminalId": "1234001",
  "order": [
    "orderId": "OrderRef6543",
    "amount": 4999,
    "currency": "USD",
    "description": "Large Pepperoni Pizza"
  ],
  "paymentMethod": [
    "type": "card",
    "cardDetails": [
      "entryMethod": "keyed",
      "keyedData": [
        "dataFormat": "plainText",
        "cardNumber": "4539858876047062",
        "device": [
          "model": "paxA80",
          "serialNumber": "WPC202833004712"
        ],
        "expiryDate": "1230"
      ]
    ]
  ],
  "operator": "Jane",
  "customer": [
    "firstName": "Sarah",
    "lastName": "Hopper",
    "billingAddress": [
      "address1": "1 Example Ave.",
      "city": "Chicago",
      "state": "Illinois",
      "country": "US",
      "postalCode": "60056",
      "address2": "Example Address Line 2",
      "address3": "Example Address Line 3"
    ],
    "shippingAddress": [
      "recipientName": "Sarah Hopper",
      "address": [
        "address1": "1 Example Ave.",
        "city": "Chicago",
        "state": "Illinois",
        "country": "US",
        "postalCode": "60056",
        "address2": "Example Address Line 2",
        "address3": "Example Address Line 3"
      ]
    ]
  ],
  "customFields": [
    [
      "name": "yourCustomField",
      "value": "abc123"
    ]
  ]
] as [String : Any]

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

let request = NSMutableURLRequest(url: NSURL(string: "https://api.payroc.com/v1/payments")! 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()

Response fields

If your request is successful, our gateway uses the card details to run a sale. The response contains the following fields:

Schema (response.body)

Response body schema for POST /payments

Example response

Response (201)

JSON
{
  "paymentId": "M2MJOG6O2Y",
  "processingTerminalId": "1234001",
  "order": {
    "orderId": "OrderRef6543",
    "amount": 4999,
    "currency": "USD",
    "dateTime": "2024-07-02T15:30:00Z",
    "description": "Large Pepperoni Pizza"
  },
  "card": {
    "type": "MasterCard",
    "entryMethod": "keyed",
    "cardNumber": "453985******7062",
    "expiryDate": "1230",
    "securityChecks": {
      "cvvResult": "M",
      "avsResult": "Y"
    }
  },
  "transactionResult": {
    "status": "ready",
    "responseCode": "A",
    "type": "sale",
    "approvalCode": "OK3",
    "authorizedAmount": 4999,
    "currency": "USD",
    "responseMessage": "OK3"
  },
  "operator": "Jane",
  "customer": {
    "firstName": "Sarah",
    "lastName": "Hopper",
    "billingAddress": {
      "address1": "1 Example Ave.",
      "address2": "Example Address Line 2",
      "address3": "Example Address Line 3",
      "city": "Chicago",
      "state": "Illinois",
      "country": "US",
      "postalCode": "60056"
    },
    "shippingAddress": {
      "recipientName": "Sarah Hopper",
      "address": {
        "address1": "1 Example Ave.",
        "address2": "Example Address Line 2",
        "address3": "Example Address Line 3",
        "city": "Chicago",
        "state": "Illinois",
        "country": "US",
        "postalCode": "60056"
      }
    }
  },
  "supportedOperations": [
    "capture",
    "fullyReverse",
    "partiallyReverse",
    "incrementAuthorization",
    "adjustTip",
    "setAsPending"
  ],
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}

Run a sale with bank account details

To run a sale with bank account details, send a POST request to our Bank Transfer Payments endpoint.

EnvironmentURL
Testhttps://api.uat.payroc.com/v1/bank-transfer-payments
Productionhttps://api.payroc.com/v1/bank-transfer-payments

Request parameters

Important: The request includes parameters for functions and features that we don't cover in this guide. These functions and features might require additional integration effort and cost. For more information, contact our Integrations Team at integrationsupport@payroc.com.

For the paymentMethod object, send values for the following parameters:

  • type: Send a value of singleUseToken.
  • token: Send the single-use token that you received in the submissionSuccess event.
  • accountType: Indicate if the bank account is a savings account or a checking account.
  • secCode: If the single-use token represents ACH details, indicate how the customer authorized the payment.

Schema (request.body)

Request body schema for POST /bank-transfer-payments

Example request

Request

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

Store Token Bank Transfer Payment

curl
curl -X POST https://api.payroc.com/v1/bank-transfer-payments \
     -H "Idempotency-Key: 8e03978e-40d5-43e8-bc93-6894a57f9324" \
     -H "Authorization: Bearer <token>" \
     -H "Content-Type: application/json" \
     -d '{
  "processingTerminalId": "1234001",
  "order": {
    "amount": 4999,
    "currency": "USD",
    "orderId": "OrderRef6543",
    "breakdown": {
      "subtotal": 4347,
      "taxes": [
        {
          "rate": 5,
          "name": "Sales Tax",
          "type": "rate"
        }
      ],
      "tip": {
        "type": "percentage",
        "percentage": 10
      }
    },
    "description": "Large Pepperoni Pizza"
  },
  "paymentMethod": {
    "type": "ach",
    "accountNumber": "11101010",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "053200983",
    "accountType": "checking",
    "secCode": "web"
  },
  "customer": {
    "notificationLanguage": "en",
    "contactMethods": [
      {
        "type": "email",
        "value": "joe@blogssoftware.com"
      }
    ]
  },
  "credentialOnFile": {
    "tokenize": true
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}'

Store Token Bank Transfer Payment

Python
import requests

url = "https://api.payroc.com/v1/bank-transfer-payments"

payload = {
    "processingTerminalId": "1234001",
    "order": {
        "amount": 4999,
        "currency": "USD",
        "orderId": "OrderRef6543",
        "breakdown": {
            "subtotal": 4347,
            "taxes": [
                {
                    "rate": 5,
                    "name": "Sales Tax",
                    "type": "rate"
                }
            ],
            "tip": {
                "type": "percentage",
                "percentage": 10
            }
        },
        "description": "Large Pepperoni Pizza"
    },
    "paymentMethod": {
        "type": "ach",
        "accountNumber": "11101010",
        "nameOnAccount": "Sarah Hazel Hopper",
        "routingNumber": "053200983",
        "accountType": "checking",
        "secCode": "web"
    },
    "customer": {
        "notificationLanguage": "en",
        "contactMethods": [
            {
                "type": "email",
                "value": "joe@blogssoftware.com"
            }
        ]
    },
    "credentialOnFile": { "tokenize": True },
    "customFields": [
        {
            "name": "yourCustomField",
            "value": "abc123"
        }
    ]
}
headers = {
    "Idempotency-Key": "8e03978e-40d5-43e8-bc93-6894a57f9324",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())

Store Token Bank Transfer Payment

JavaScript
const url = 'https://api.payroc.com/v1/bank-transfer-payments';
const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '8e03978e-40d5-43e8-bc93-6894a57f9324',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: '{"processingTerminalId":"1234001","order":{"amount":4999,"currency":"USD","orderId":"OrderRef6543","breakdown":{"subtotal":4347,"taxes":[{"rate":5,"name":"Sales Tax","type":"rate"}],"tip":{"type":"percentage","percentage":10}},"description":"Large Pepperoni Pizza"},"paymentMethod":{"type":"ach","accountNumber":"11101010","nameOnAccount":"Sarah Hazel Hopper","routingNumber":"053200983","accountType":"checking","secCode":"web"},"customer":{"notificationLanguage":"en","contactMethods":[{"type":"email","value":"joe@blogssoftware.com"}]},"credentialOnFile":{"tokenize":true},"customFields":[{"name":"yourCustomField","value":"abc123"}]}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}

Store Token Bank Transfer Payment

go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.payroc.com/v1/bank-transfer-payments"

	payload := strings.NewReader("{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"orderId\": \"OrderRef6543\",\n    \"breakdown\": {\n      \"subtotal\": 4347,\n      \"taxes\": [\n        {\n          \"rate\": 5,\n          \"name\": \"Sales Tax\",\n          \"type\": \"rate\"\n        }\n      ],\n      \"tip\": {\n        \"type\": \"percentage\",\n        \"percentage\": 10\n      }\n    },\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"11101010\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"053200983\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"joe@blogssoftware.com\"\n      }\n    ]\n  },\n  \"credentialOnFile\": {\n    \"tokenize\": true\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}

Store Token Bank Transfer Payment

ruby
require 'uri'
require 'net/http'

url = URI("https://api.payroc.com/v1/bank-transfer-payments")

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

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '8e03978e-40d5-43e8-bc93-6894a57f9324'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"orderId\": \"OrderRef6543\",\n    \"breakdown\": {\n      \"subtotal\": 4347,\n      \"taxes\": [\n        {\n          \"rate\": 5,\n          \"name\": \"Sales Tax\",\n          \"type\": \"rate\"\n        }\n      ],\n      \"tip\": {\n        \"type\": \"percentage\",\n        \"percentage\": 10\n      }\n    },\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"11101010\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"053200983\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"joe@blogssoftware.com\"\n      }\n    ]\n  },\n  \"credentialOnFile\": {\n    \"tokenize\": true\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}"

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

Store Token Bank Transfer Payment

Java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.payroc.com/v1/bank-transfer-payments")
  .header("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"orderId\": \"OrderRef6543\",\n    \"breakdown\": {\n      \"subtotal\": 4347,\n      \"taxes\": [\n        {\n          \"rate\": 5,\n          \"name\": \"Sales Tax\",\n          \"type\": \"rate\"\n        }\n      ],\n      \"tip\": {\n        \"type\": \"percentage\",\n        \"percentage\": 10\n      }\n    },\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"11101010\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"053200983\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"joe@blogssoftware.com\"\n      }\n    ]\n  },\n  \"credentialOnFile\": {\n    \"tokenize\": true\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}")
  .asString();

Store Token Bank Transfer Payment

PHP
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.payroc.com/v1/bank-transfer-payments', [
  'body' => '{
  "processingTerminalId": "1234001",
  "order": {
    "amount": 4999,
    "currency": "USD",
    "orderId": "OrderRef6543",
    "breakdown": {
      "subtotal": 4347,
      "taxes": [
        {
          "rate": 5,
          "name": "Sales Tax",
          "type": "rate"
        }
      ],
      "tip": {
        "type": "percentage",
        "percentage": 10
      }
    },
    "description": "Large Pepperoni Pizza"
  },
  "paymentMethod": {
    "type": "ach",
    "accountNumber": "11101010",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "053200983",
    "accountType": "checking",
    "secCode": "web"
  },
  "customer": {
    "notificationLanguage": "en",
    "contactMethods": [
      {
        "type": "email",
        "value": "joe@blogssoftware.com"
      }
    ]
  },
  "credentialOnFile": {
    "tokenize": true
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
    'Idempotency-Key' => '8e03978e-40d5-43e8-bc93-6894a57f9324',
  ],
]);

echo $response->getBody();

Store Token Bank Transfer Payment

C#
using RestSharp;

var client = new RestClient("https://api.payroc.com/v1/bank-transfer-payments");
var request = new RestRequest(Method.POST);
request.AddHeader("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324");
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"amount\": 4999,\n    \"currency\": \"USD\",\n    \"orderId\": \"OrderRef6543\",\n    \"breakdown\": {\n      \"subtotal\": 4347,\n      \"taxes\": [\n        {\n          \"rate\": 5,\n          \"name\": \"Sales Tax\",\n          \"type\": \"rate\"\n        }\n      ],\n      \"tip\": {\n        \"type\": \"percentage\",\n        \"percentage\": 10\n      }\n    },\n    \"description\": \"Large Pepperoni Pizza\"\n  },\n  \"paymentMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"11101010\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"053200983\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"joe@blogssoftware.com\"\n      }\n    ]\n  },\n  \"credentialOnFile\": {\n    \"tokenize\": true\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);

Store Token Bank Transfer Payment

swift
import Foundation

let headers = [
  "Idempotency-Key": "8e03978e-40d5-43e8-bc93-6894a57f9324",
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "processingTerminalId": "1234001",
  "order": [
    "amount": 4999,
    "currency": "USD",
    "orderId": "OrderRef6543",
    "breakdown": [
      "subtotal": 4347,
      "taxes": [
        [
          "rate": 5,
          "name": "Sales Tax",
          "type": "rate"
        ]
      ],
      "tip": [
        "type": "percentage",
        "percentage": 10
      ]
    ],
    "description": "Large Pepperoni Pizza"
  ],
  "paymentMethod": [
    "type": "ach",
    "accountNumber": "11101010",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "053200983",
    "accountType": "checking",
    "secCode": "web"
  ],
  "customer": [
    "notificationLanguage": "en",
    "contactMethods": [
      [
        "type": "email",
        "value": "joe@blogssoftware.com"
      ]
    ]
  ],
  "credentialOnFile": ["tokenize": true],
  "customFields": [
    [
      "name": "yourCustomField",
      "value": "abc123"
    ]
  ]
] as [String : Any]

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

let request = NSMutableURLRequest(url: NSURL(string: "https://api.payroc.com/v1/bank-transfer-payments")! 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()

Response fields

If your request is successful, our gateway uses the bank account details to run a sale. The response contains the following fields:

Schema (response.body)

Response body schema for POST /bank-transfer-payments

Example response

Response (201)

JSON
{
  "paymentId": "M2MJOG6O2Y",
  "processingTerminalId": "1234001",
  "order": {
    "amount": 4999,
    "currency": "USD",
    "orderId": "OrderRef6543",
    "breakdown": {
      "subtotal": 4347,
      "taxes": [
        {
          "name": "Sales Tax",
          "rate": 5,
          "amount": 217
        }
      ],
      "tip": {
        "type": "percentage",
        "amount": 435,
        "percentage": 10
      }
    },
    "dateTime": "2024-07-02T15:30:00Z",
    "description": "Large Pepperoni Pizza"
  },
  "bankAccount": {
    "type": "ach",
    "accountNumber": "****3159",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "053200983",
    "secCode": "web",
    "secureToken": {
      "secureTokenId": "MREF_abc1de23-f4a5-6789-bcd0-12e345678901fa",
      "customerName": "Sarah Hazel Hopper",
      "token": "296753123456",
      "status": "notValidated",
      "link": {
        "rel": "self",
        "method": "GET",
        "href": "https://api.payroc.com/v1/processing-terminals/1234001/secure-tokens/MREF_abc1de23-f4a5-6789-bcd0-12e345678901fa"
      }
    }
  },
  "transactionResult": {
    "type": "payment",
    "status": "ready",
    "responseCode": "A",
    "authorizedAmount": 4999,
    "currency": "USD",
    "responseMessage": "NoError",
    "processorResponseCode": "0"
  },
  "customer": {
    "notificationLanguage": "en",
    "contactMethods": [
      {
        "type": "email",
        "value": "sarah.hopper@example.com"
      }
    ]
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}

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