Process an ACH payment

Prerequisites

A valid API key — see Obtain API credentials
A processor integration configured for ACH (Vericheck)

Step 1: Build the request

Set type to payment and include the person's bank account details.

Field	Required	Description
`type`	Yes	`payment`
`amount`	Yes	Amount in cents
`payment_method.type`	Yes	`ach`
`payment_method.account_number`	Yes	Bank account number
`payment_method.routing_number`	Yes	9-digit ABA routing number
`payment_method.account_type`	Yes	`checking` or `savings`
`payment_method.name`	Yes	Account holder name
`payment_method.email`	Yes	Account holder email
`recurring`	Yes	`true` for recurring debits (PPD); `false` for one-time (WEB)

Step 2: Send the request

curl -X POST \
  https://api.dev.paradisegateway.net/v1/transactions \
  -H "Content-Type: application/json" \
  -H "APIKEY: YOUR-API-KEY" \
  -d '{
    "type": "payment",
    "amount": 50000,
    "payment_method": {
      "type": "ach",
      "account_number": "9876543210",
      "routing_number": "021000021",
      "account_type": "checking",
      "name": "Montgomery Scott",
      "email": "scotty@example.com"
    },
    "recurring": false,
    "purchase_description": "Dilithium crystals"
  }'

Step 3: Handle the response

{
  "id": "TRANSACTION-03LPSC0TTY9ZXQ5MV0H4Y6W8A",
  "object": "CreateTransactionResponse",
  "type": "payment",
  "transaction_state": "authorized",
  "response_status": "Approved",
  "response_code": "00",
  "response_message": "The API request is approved.",
  "amount_requested": 50000,
  "amount_authorized": 50000,
  "amount": 50000,
  "correlation_id": "c3d4e5f6-a7b8-9012-cdef-123456789abc"
}

authorized ≠ settled

An authorized ACH transaction means the request was accepted. Funds settle in 2–3 business days and returns can occur for up to 60 days. Do not treat the initial response as final settlement.

Step 4: Monitor for returns

ACH transactions can be returned after settlement. Poll GET /v1/transactions/{id} or configure webhooks to detect returns.

Return code	Reason	Timeline
R01	Insufficient funds	2 business days
R02	Account closed	2 business days
R03	No account / unable to locate	2 business days
R10	Customer advises not authorized	Up to 60 days

For the full return code list, see About ACH/bank account payments.

Next steps

Process an ACH payout — send funds to a bank account
Process a payment with a stored token — use a tokenized bank account
About ACH/bank account payments