Draft ACH

Draft an ACH (Automated Clearing House) transaction for bank account payments.

Operation

draftACH

Resource

transactions

Parameters

Parameter	Type	Required	Default	Description
Merchant ID	string	Yes	-	The merchant identifier
E-Commerce Indicator	options	Yes	-	Transaction type indicator
Account Type	options	Yes	-	Type of bank account
Profile ID	string	Yes	-	The profile identifier
Name	string	Yes	-	Customer identifier/name
Amount	string	Yes	-	The transaction amount

E-Commerce Indicator Options

Value	Description
E	E-commerce transaction
R	Recurring transaction
T	Telephone order

Account Type Options

Value	Description
ECHK	Checking account
ESAV	Savings account

Response

Success

{
  "respstat": "A",
  "respcode": "00",
  "resptext": "Approval",
  "retref": "123456789012",
  "merchid": "MERCH001",
  "amount": "150.00",
  "accttype": "ECHK"
}

Error

{
  "error": "Invalid merchant ID"
}

Response Fields

Field	Type	Description
respstat	string	Response status (A=Approved, C=Declined, B=Retry)
respcode	string	Response code
resptext	string	Response description
retref	string	Transaction reference number
merchid	string	Merchant ID
amount	string	Transaction amount
accttype	string	Account type used

Error Handling

• Missing API URL: Fiserv credential is missing apiUrl
• Invalid Merchant ID: Merchant ID not found or invalid
• Invalid Profile: Profile ID not found
• Transaction Declined: Check respstat and respcode for details