Supported payment methods

Credit and debit cards

Reefpay processes credit and debit card transactions through the TSYS processor. Provide card details in the payment_method object when calling POST /v1/transactions, or use a stored payment token.

Supported card brands

Brand	Card number prefix	Supported
Visa	4xxx	Yes
Mastercard	5xxx, 2xxx	Yes
American Express	34xx, 37xx	Yes
Discover	6011, 65xx	Yes

Required card fields

Field	Description	Example
`pan`	Primary account number (card number)	`4111111111111234`
`expiry.month`	Two-digit expiration month	`03`
`expiry.year`	Four-digit expiration year	`2028`
`cardholder_name`	Name as printed on the card	`John Doe`
`cvv`	Card verification value (3 or 4 digits)	`456`
`address_line1`	Billing street address (for Address Verification Service)	`123 Main St`
`zip`	Billing postal code (for Address Verification Service)	`10001`

Card transaction types

Type value	Description
`sale`	Authorize and capture in one step
`auth`	Authorize only; capture separately
`update`	Update a previously created transaction
`capture`	Capture (complete) a prior authorization
`cancel`	Cancel before settlement
`refund`	Return funds for a settled transaction

ACH / bank accounts

Reefpay processes Automated Clearing House (ACH) transactions through the Vericheck processor. Provide bank account details in the payment_method object when calling POST /v1/transactions, or use a stored payment token.

Required bank account fields

Field	Description	Example
`routing_number`	Nine-digit American Bankers Association (ABA) routing number	`021000021`
`account_number`	Bank account number	`1234567890`
`account_type`	`checking` or `savings`	`checking`
`account_holder_name`	Name on the bank account	`John Doe`

ACH transaction types

Type value	Description	Fund flow
`payment`	Debit (pull funds from account)	Person → Merchant
`payout`	Credit (push funds to account)	Merchant → Person
`cancel`	Cancel before settlement

ACH entry class codes

ACH transactions use Standard Entry Class (SEC) codes to identify the type of transaction. Common codes include:

SEC code	Description	Use case
WEB	Internet-initiated entry	Online payments
PPD	Prearranged payment and deposit	Recurring debits with prior authorization
CCD	Corporate credit or debit	Business-to-business payments

Tokenized payment methods

Both card and bank account credentials can be tokenized and stored for future use. A stored payment token replaces raw credentials in subsequent transactions.

Field	Description	Example
`payment_token`	Token referencing a stored payment method	`PAYMENT_TOKEN-01JMRSPCK8WLXDPRMW3SNPVQEA`

For more information on creating and managing tokens, see Storing a card for future use.

Regional availability

Reefpay currently supports transactions in the United States. All monetary amounts are expressed as integers in the smallest currency unit (cents for US dollars). For example, 1999 represents 19.99 US dollars (USD).