Details required fields for processing electronic check payments.

Transaction Details - ACH/eCheck

Variable	Requirement	Type	Possible Values / Example	Description	Notes
`pt_ach_account_class`	Mandatory for eCheck payments	string	`personal`, `business`	Specifies the account class of the customer’s checking account. • `personal`: Personal checking account • `business`: Business checking account	Required if the payment method is ACH/eCheck.
`pt_ach_account_number`	Mandatory for eCheck payments	string	Example: `1234567890`	Customer’s bank account number.	Must be numeric, typically 5–17 digits depending on the bank.
`pt_ach_account_type`	Mandatory for eCheck payments	string	`checking`, `savings`	Type of the customer’s ACH account.	Only `checking` or `savings` accepted.
`pt_ach_check_number`	Optional	string	Example: `12345`	Check number associated with the bank account.	Only required if a paper check is used; otherwise optional for ACH/eCheck.
`pt_ach_routing_number`	Mandatory for eCheck payments	string	Example: `999999992`	ABA routing number of the bank.	Must be 9 digits; validates the bank’s location.
`pt_ach_sec_code`	Mandatory for eCheck payments	string	`PPD`, `CCD`, `WEB`, `TEL`	SEC code identifying the type of ACH/eCheck transaction. • Common values: `PPD`, `CCD`, `WEB`, `TEL` • Additional codes may apply depending on the bank/account type.	PPD = consumer debit/credit, CCD = corporate credit/debit, WEB = online payments, TEL = telephone-initiated. Verify with bank if using other codes.