---
description: >-
  Pull funds from a US bank account using ACH. No tokenization required —
  provide bank details directly in the payment request.
---

# ACH (Bank Account)

ACH payments pull funds directly from a US bank account using the account number and routing number. Unlike card payments, ACH does not require tokenization — bank details are included directly in the API request.

> **Note:** ACH payments are always captured immediately. Pre-authorization is not supported for ACH.

## Example Request

```bash
curl -X POST https://{FQDN}/v2/payment \
  -H 'Authorization: Bearer eyJhbGciOiJSUzI1NiIs...' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalPaymentId": "b7e4c2a1-9f3d-4e8a-a5c6-2d1f0e9b8a73",
    "ipAddress": "203.0.113.42",
    "paymentType": "PULL",
    "capture": true,
    "amount": {
      "total": 201.99,
      "currency": "USD"
    },
    "sender": {
      "firstName": "John",
      "lastName": "Smith",
      "address": {
        "countryCode": "USA",
        "stateCode": "NY",
        "city": "New York",
        "line1": "123 Main Street",
        "zipCode": "10001"
      },
      "paymentMethod": {
        "type": "BANK_DEPOSIT",
        "countryCode": "USA",
        "bankCode": "*****0021",
        "accountNumber": "*************6789",
        "routingNumber": "*****0021",
        "accountType": "CHECKING",
        "accountTokenId": "f2a6d8c4-1e3b-4a59-b7d0-5c8e9f1a2b34"
      }
    }
  }'
```

## Payment Method Fields

| Field | Type | Required | Description |
|---|---|---|---|
| `type` | string | Yes | `"BANK_DEPOSIT"` |
| `accountNumber` | string | Yes | Bank account number (6–20 digits) |
| `routingNumber` | string | Yes | ABA routing number (9 digits) |
| `accountType` | string | Yes | Account type (see below) |

### Account Types

| Value | Description |
|---|---|
| `CHECKING` | Personal checking account |
| `SAVINGS` | Personal savings account |
| `BUSINESS_CHECKING` | Business checking account |
| `BUSINESS_SAVINGS` | Business savings account |

## Response

ACH payments are processed asynchronously. A `200` with `status: "PENDING"` means the gateway accepted the payment, not that the funds have settled. Poll `GET /v2/payment/{externalId}` or wait for the webhook for the final outcome — `approved: false` on a `PENDING` payment is not a decline:

```json
{
  "amount": 201.99,
  "status": "PENDING",
  "created": "2026-10-11 02:52:20",
  "message": "Payment Pending",
  "approved": false,
  "currency": "USD",
  "paymentId": "3c9a1e57-6b2d-4f80-9e14-a7d5c3b2f601",
  "responseCode": "01",
  "parentPaymentId": "3c9a1e57-6b2d-4f80-9e14-a7d5c3b2f601",
  "externalPaymentId": "b7e4c2a1-9f3d-4e8a-a5c6-2d1f0e9b8a73"
}
```

## Key Differences from Card Payments

| Feature | Card | ACH |
|---|---|---|
| Tokenization required | Yes Yes | No No |
| Pre-authorization | Yes Supported | No Not supported |
| Capture/Void lifecycle | Yes Full lifecycle | No Auto-captured |
| 3D Secure | Yes Possible | No Not applicable |
| Refund | Yes Supported | Yes Supported |
| Settlement speed | Same day – 2 days | 1–3 business days |