---
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://sandbox-gw.simpleps.com/v2/payment \
  -H 'Authorization: Bearer eyJhbGciOiJSUzI1NiIs...' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalPaymentId": "ach-order-001",
    "ipAddress": "203.0.113.42",
    "paymentType": "PULL",
    "capture": true,
    "amount": {
      "total": 19.99,
      "currency": "USD"
    },
    "sender": {
      "firstName": "John",
      "lastName": "Smith",
      "address": {
        "countryCode": "US",
        "stateCode": "NY",
        "city": "New York",
        "line1": "123 Main Street",
        "line2": "Apt 25B",
        "zipCode": "10001"
      },
      "paymentMethod": {
        "type": "BANK_DEPOSIT",
        "accountNumber": "123456789",
        "routingNumber": "021000021",
        "accountType": "CHECKING"
      }
    }
  }'
```

## Payment Method Fields

| Field | Type | Required | Description |
|---|---|---|---|
| `type` | string | ✅ | `"BANK_DEPOSIT"` |
| `accountNumber` | string | ✅ | Bank account number (6–20 digits) |
| `routingNumber` | string | ✅ | ABA routing number (9 digits) |
| `accountType` | string | ✅ | 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 return the same response structure as card payments. Since `capture` is `true`, the status will be `CAPTURED` on success:

```json
{
  "status": 200,
  "data": {
    "paymentId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "parentPaymentId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "externalPaymentId": "ach-order-001",
    "amount": 19.99,
    "created": "2025-03-31 10:15:30",
    "approved": true,
    "message": "Payment Approved",
    "status": "CAPTURED",
    "captured": true,
    "voided": false,
    "responseCode": "00"
  }
}
```

## Key Differences from Card Payments

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