Defines ACH and eCheck transaction parameters for Remote API payment processing.
ACH and eCheck Processing Fields
Use the fields below when submitting ACH or eCheck transactions through the Remote API payment interface.
Merchant account must be configured specifically to accept ACH/eCheck payment to use this functionality.
| Variable | Requirement | Type | Max Size | Possible Values / Example | Description | Notes |
|---|---|---|---|---|---|---|
accttype |
Mandatory | string | 8 | checking, savings, credit |
Specifies the bank account type used for the transaction. | Supported values are checking, savings, and credit. |
routingnum |
Mandatory | string | 9 | 123456789 |
ABA bank routing number associated with the account. | Must be a valid 9-digit routing number. |
accountnum |
Mandatory | string | 20 | 12345678901234567890 |
Bank account number associated with the transaction. | Maximum length is 20 characters. |
checknum |
Optional | string | N/A | 1001 |
Check number associated with the transaction. | Primarily used for paper check conversion transactions. |
checktype |
Mandatory | string | 3 | PPD, CCD, WEB, TEL |
ACH Standard Entry Class (SEC) code used for the transaction. | See SEC code documentation for complete definitions and usage requirements. |
acctclass |
Optional | string | 8 | personal, business |
Specifies whether the account is personal or business related. | When set to business, the SEC code is automatically changed to CCD. |
commcardtype |
Optional | string | 8 | business |
Indicates the transaction is associated with a business account. | Automatically passes the SEC code as CCD. |
Notes
The fields above apply specifically to ACH and eCheck processing through the Plug’n Pay Remote API authorization interface. Certain SEC code requirements may vary depending on processor configuration and NACHA compliance rules.