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x=\"50\" y=\"95\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"268\" height=\"42\" class=\"note\"></rect><text x=\"184\" y=\"100\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"184\">My Paradise Pay (Real-time)</tspan></text></g><g><rect x=\"288\" y=\"201\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"10\" height=\"162\" class=\"activation0\"></rect></g><g><rect x=\"537\" y=\"257\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"10\" height=\"52\" class=\"activation0\"></rect></g><g data-et=\"note\" data-id=\"i12\"><rect x=\"517\" y=\"373\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"490.5\" height=\"42\" class=\"note\"></rect><text x=\"762\" y=\"378\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: 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style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">ACH Request</text><line x1=\"304\" y1=\"255\" x2=\"538\" y2=\"255\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"GW\" data-to=\"Proc\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0d26f3557649d6fe7791742ae44b74d94479fce8137db2e9bd41b83144afef63-arrowhead)\" style=\"fill: none;\"></line><line x1=\"289\" y1=\"255\" x2=\"289\" y2=\"255\" stroke-width=\"0\" marker-start=\"url(#diagram-0d26f3557649d6fe7791742ae44b74d94479fce8137db2e9bd41b83144afef63-sequencenumber)\"></line><text x=\"289\" y=\"259\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">2</text><text x=\"419\" y=\"270\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid 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&quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"762\">Asynchronous Processing (1-3 Days)</tspan></text></g><g><rect x=\"751.5\" y=\"469\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"10\" height=\"108\" class=\"activation0\"></rect></g><g><rect x=\"977.5\" y=\"525\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"10\" height=\"52\" class=\"activation0\"></rect></g><g data-et=\"note\" data-id=\"i20\"><rect x=\"1007.5\" y=\"587\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"206\" height=\"42\" class=\"note\"></rect><text x=\"1111\" y=\"592\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1111\">OR Transaction Returned</tspan></text></g><text x=\"183\" y=\"162\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">POST /v1/transactions</text><line x1=\"82\" y1=\"201\" x2=\"289\" y2=\"201\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"App\" data-to=\"GW\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"fill: none;\"></line><line x1=\"75\" y1=\"201\" x2=\"75\" y2=\"201\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"75\" y=\"205\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">1</text><text x=\"418\" y=\"216\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">ACH Request</text><line x1=\"304\" y1=\"255\" x2=\"538\" y2=\"255\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"GW\" data-to=\"Proc\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"fill: none;\"></line><line x1=\"289\" y1=\"255\" x2=\"289\" y2=\"255\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"289\" y=\"259\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">2</text><text x=\"419\" y=\"270\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Accepted (Synchronous)</text><line x1=\"543\" y1=\"309\" x2=\"301\" y2=\"309\" class=\"messageLine1\" data-et=\"message\" data-id=\"i8\" data-from=\"Proc\" data-to=\"GW\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><line x1=\"546\" y1=\"309\" x2=\"546\" y2=\"309\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"546\" y=\"313\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">3</text><text x=\"184\" y=\"324\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">200 OK (authorized)</text><line x1=\"294\" y1=\"363\" x2=\"79\" y2=\"363\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"GW\" data-to=\"App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><line x1=\"297\" y1=\"363\" x2=\"297\" y2=\"363\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"297\" y=\"367\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">4</text><text x=\"648\" y=\"430\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Batch Submission</text><line x1=\"549\" y1=\"469\" x2=\"752.5\" y2=\"469\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Proc\" data-to=\"ACH\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"fill: none;\"></line><line x1=\"542\" y1=\"469\" x2=\"542\" y2=\"469\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"542\" y=\"473\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">5</text><text x=\"870\" y=\"484\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Debit/Credit Request</text><line x1=\"767.5\" y1=\"523\" x2=\"978.5\" y2=\"523\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"ACH\" data-to=\"Bank\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"fill: none;\"></line><line x1=\"752.5\" y1=\"523\" x2=\"752.5\" y2=\"523\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"752.5\" y=\"527\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">6</text><text x=\"871\" y=\"538\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Funds Settled</text><line x1=\"983.5\" y1=\"577\" x2=\"764.5\" y2=\"577\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Bank\" data-to=\"ACH\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><line x1=\"986.5\" y1=\"577\" x2=\"986.5\" y2=\"577\" stroke-width=\"0\" marker-start=\"url(#diagram-4411f6dfbd77fff10b243e2b60df5ed7ddedff73e966914577475ecbd2c2e79b-sequencenumber)\"></line><text x=\"986.5\" y=\"581\" font-family=\"sans-serif\" font-size=\"12px\" text-anchor=\"middle\" class=\"sequenceNumber\">7</text></svg>"},"children":["---\nconfig:\n  theme: 'neutral'\n---\nsequenceDiagram\n    autonumber\n    \n    participant App as Your Application\n    \n    rect rgb(232, 241, 250)\n        Note over App, GW: My Paradise Pay (Real-time)\n        participant GW as My Paradise Pay\n    end\n    \n    participant Proc as Processor (Vericheck)\n    participant ACH as ACH Network\n    participant Bank as Person's Bank\n\n    App->>GW: POST /v1/transactions\n    activate GW\n    GW->>Proc: ACH Request\n    activate Proc\n    Proc-->>GW: Accepted (Synchronous)\n    deactivate Proc\n    GW-->>App: 200 OK (authorized)\n    deactivate GW\n\n    Note over Proc, Bank: Asynchronous Processing (1-3 Days)\n    Proc->>ACH: Batch Submission\n    activate ACH\n    ACH->>Bank: Debit/Credit Request\n    activate Bank\n    Bank-->>ACH: Funds Settled\n    deactivate Bank\n    deactivate ACH\n    Note right of Bank: OR Transaction Returned\n\n"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"ach-transaction-types","__idx":2},"children":["ACH transaction types"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Paradise Gateway supports two ACH Standard Entry Class (SEC) codes that determine how the payment was authorized."]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"SEC code"},"children":["SEC code"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Name"},"children":["Name"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Use case"},"children":["Use case"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Authorization method"},"children":["Authorization method"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["WEB"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Internet-initiated"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Person authorizes payment through a website or app"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Online consent form, checkbox, or click-through agreement"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["PPD"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Prearranged payment and deposit"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Recurring payments authorized by written agreement"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Signed authorization form (physical or electronic)"]}]}]}]}]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"warning","name":"SEC code compliance"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using the correct SEC code is a NACHA requirement. Using the wrong code can result in fines or ACH processing suspension. Use ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["WEB"]}," for internet-originated transactions and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PPD"]}," for pre-authorized recurring payments with a signed agreement."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"processing-an-ach-payment","__idx":3},"children":["Processing an ACH payment"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Send ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["POST /v1/transactions"]}," with ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["type: PAYMENT"]}," and the person's bank account details."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"required-fields","__idx":4},"children":["Required fields"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Field"},"children":["Field"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Description"},"children":["Description"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Example"},"children":["Example"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["type"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Transaction type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PAYMENT"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["amount"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Amount in cents"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["50000"]}," (500.00 USD)"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_method.type"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Payment method type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["ACH"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_method.account_number"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Bank account number"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["9876543210"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_method.routing_number"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["ABA routing number (9 digits)"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["021000021"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_method.account_type"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Account type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["checking"]}," or ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["savings"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_method.name"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Account holder name"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Montgomery Scott"]}]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_method.email"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Account holder email"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["scotty@example.com"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"example-request","__idx":5},"children":["Example request"]},{"$$mdtype":"Tag","name":"OpenApiCodeSample","attributes":{"descriptionFile":"oas-apis/openapi.yaml","operationId":"createTransaction","parameters":{},"requestBody":{"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":"Monthly service fee"},"environments":{},"codeSamplesResolved":[{"lang":"shell","title":"cURL","source":"curl -i -X POST \\\n  https://api.dev.paradisegateway.net/v1/transactions \\\n  -H 'Api-Key: YOUR_API_KEY_HERE' \\\n  -H 'Client-Id: CLIENT-01KFDKXMQ637EKEAY410MSQSXB' \\\n  -H 'Content-Type: application/json' \\\n  -d '{\n    \"type\": \"PAYMENT\",\n    \"amount\": 50000,\n    \"payment_method\": {\n      \"type\": \"ACH\",\n      \"account_number\": \"9876543210\",\n      \"routing_number\": \"021000021\",\n      \"account_type\": \"Checking\",\n      \"name\": \"Montgomery Scott\",\n      \"email\": \"scotty@example.com\"\n    },\n    \"recurring\": false,\n    \"purchase_description\": \"Monthly service fee\"\n  }'"},{"lang":"javascript","title":"JS","source":"const resp = await fetch(\n  `https://api.dev.paradisegateway.net/v1/transactions`,\n  {\n    method: 'POST',\n    headers: {\n      'Content-Type': 'application/json',\n      'Client-Id': 'CLIENT-01KFDKXMQ637EKEAY410MSQSXB',\n      'Api-Key': 'YOUR_API_KEY_HERE'\n    },\n    body: JSON.stringify({\n      type: 'PAYMENT',\n      amount: 50000,\n      payment_method: {\n        type: 'ACH',\n        account_number: '9876543210',\n        routing_number: '021000021',\n        account_type: 'Checking',\n        name: 'Montgomery Scott',\n        email: 'scotty@example.com'\n      },\n      recurring: false,\n      purchase_description: 'Monthly service fee'\n    })\n  }\n);\n\nconst data = await resp.json();\nconsole.log(data);"},{"lang":"csharp","title":"C#","source":"using System;\nusing System.Net.Http;\nusing System.Threading.Tasks;\nusing System.Text;\nusing System.Text.Json;\n\npublic class Program\n{\n  public static async Task Main()\n  {\n    System.Net.Http.HttpClient client = new()\n    {\n      DefaultRequestHeaders =\n      {\n        {\"Client-Id\", \"CLIENT-01KFDKXMQ637EKEAY410MSQSXB\"},\n        {\"Api-Key\", \"YOUR_API_KEY_HERE\"},\n      }\n    };\n\n    string json = JsonSerializer.Serialize(new\n    {\n      type = \"PAYMENT\",\n      amount = \"50000\",\n      payment_method = new {\n        type = \"ACH\",\n        account_number = \"9876543210\",\n        routing_number = \"021000021\",\n        account_type = \"Checking\",\n        name = \"Montgomery Scott\",\n        email = \"scotty@example.com\"\n      },\n      recurring = \"false\",\n      purchase_description = \"Monthly service fee\"\n    });\n\n    using StringContent postData = new(json, Encoding.UTF8, \"application/json\");\n    using HttpResponseMessage request = await client.PostAsync(\"https://api.dev.paradisegateway.net/v1/transactions\", postData);\n    string response = await request.Content.ReadAsStringAsync();\n\n    Console.WriteLine(response);\n  }\n}"},{"lang":"python","title":"Python","source":"import requests\n\nurl = \"https://api.dev.paradisegateway.net/v1/transactions\"\n\npayload = {\n  \"type\": \"PAYMENT\",\n  \"amount\": 50000,\n  \"payment_method\": {\n    \"type\": \"ACH\",\n    \"account_number\": \"9876543210\",\n    \"routing_number\": \"021000021\",\n    \"account_type\": \"Checking\",\n    \"name\": \"Montgomery Scott\",\n    \"email\": \"scotty@example.com\"\n  },\n  \"recurring\": False,\n  \"purchase_description\": \"Monthly service fee\"\n}\n\nheaders = {\n  \"Content-Type\": \"application/json\",\n  \"Client-Id\": \"CLIENT-01KFDKXMQ637EKEAY410MSQSXB\",\n  \"Api-Key\": \"YOUR_API_KEY_HERE\"\n}\n\nresponse = requests.post(url, json=payload, headers=headers)\n\ndata = response.json()\nprint(data)"},{"lang":"go","title":"Go","source":"package main\n\nimport (\n  \"fmt\"\n  \"bytes\"\n  \"net/http\"\n  \"io/ioutil\"\n)\n\nfunc main() {\n  reqUrl := \"https://api.dev.paradisegateway.net/v1/transactions\"\n  var data = []byte(`{\n    \"type\": \"PAYMENT\",\n    \"amount\": 50000,\n    \"payment_method\": {\n      \"type\": \"ACH\",\n      \"account_number\": \"9876543210\",\n      \"routing_number\": \"021000021\",\n      \"account_type\": \"Checking\",\n      \"name\": \"Montgomery Scott\",\n      \"email\": \"scotty@example.com\"\n    },\n    \"recurring\": false,\n    \"purchase_description\": \"Monthly service fee\"\n  }`)\n  req, err := http.NewRequest(\"POST\", reqUrl, bytes.NewBuffer(data))\n  if err != nil {\n    panic(err)\n  }\n  req.Header.Add(\"Content-Type\", \"application/json\")\n  req.Header.Add(\"Client-Id\", \"CLIENT-01KFDKXMQ637EKEAY410MSQSXB\")\n  req.Header.Add(\"Api-Key\", \"YOUR_API_KEY_HERE\")\n  res, err := http.DefaultClient.Do(req)\n  if err != nil {\n    panic(err)\n  }\n  defer res.Body.Close()\n  body, err := ioutil.ReadAll(res.Body)\n  if err != nil {\n    panic(err)\n  }\n\n  fmt.Println(res)\n  fmt.Println(string(body))\n}"},{"lang":"ruby","title":"Ruby","source":"require 'json'\nrequire 'uri'\nrequire 'net/http'\nrequire 'openssl'\n\nurl = URI('https://api.dev.paradisegateway.net/v1/transactions')\n\nhttp = Net::HTTP.new(url.host, url.port)\nhttp.use_ssl = true\n\nrequest = Net::HTTP::Post.new(url)\nrequest['Content-Type'] = 'application/json'\nrequest['Client-Id'] = 'CLIENT-01KFDKXMQ637EKEAY410MSQSXB'\nrequest['Api-Key'] = 'YOUR_API_KEY_HERE'\nrequest.body = {\n  type: 'PAYMENT',\n  amount: 50000,\n  payment_method: {\n    type: 'ACH',\n    account_number: '9876543210',\n    routing_number: '021000021',\n    account_type: 'Checking',\n    name: 'Montgomery Scott',\n    email: 'scotty@example.com'\n  },\n  recurring: false,\n  purchase_description: 'Monthly service fee'\n}.to_json\n\nresponse = http.request(request)\nputs response.read_body\n"},{"lang":"java","title":"Java","source":"import java.net.*;\nimport java.net.http.*;\nimport java.util.*;\n\npublic class App {\n  public static void main(String[] args) throws Exception {\n    var httpClient = HttpClient.newBuilder().build();\n\n    var payload = String.join(\"\\n\"\n      , \"{\"\n      , \" \\\"type\\\": \\\"PAYMENT\\\",\"\n      , \" \\\"amount\\\": 50000,\"\n      , \" \\\"payment_method\\\": {\"\n      , \"  \\\"type\\\": \\\"ACH\\\",\"\n      , \"  \\\"account_number\\\": \\\"9876543210\\\",\"\n      , \"  \\\"routing_number\\\": \\\"021000021\\\",\"\n      , \"  \\\"account_type\\\": \\\"Checking\\\",\"\n      , \"  \\\"name\\\": \\\"Montgomery Scott\\\",\"\n      , \"  \\\"email\\\": \\\"scotty@example.com\\\"\"\n      , \" },\"\n      , \" \\\"recurring\\\": false,\"\n      , \" \\\"purchase_description\\\": \\\"Monthly service fee\\\"\"\n      , \"}\"\n    );\n\n    var host = \"https://api.dev.paradisegateway.net\";\n    var pathname = \"/v1/transactions\";\n    var request = HttpRequest.newBuilder()\n      .POST(HttpRequest.BodyPublishers.ofString(payload))\n      .uri(URI.create(host + pathname ))\n      .header(\"Content-Type\", \"application/json\")\n      .header(\"Client-Id\", \"CLIENT-01KFDKXMQ637EKEAY410MSQSXB\")\n      .header(\"Api-Key\", \"YOUR_API_KEY_HERE\")\n      .build();\n\n    var response = httpClient.send(request, HttpResponse.BodyHandlers.ofString());\n\n    System.out.println(response.body());\n  }\n}"},{"lang":"javascript","title":"Node.js","source":"import fetch from 'node-fetch';\n\nasync function run() {\n  const resp = await fetch(\n    `https://api.dev.paradisegateway.net/v1/transactions`,\n    {\n      method: 'POST',\n      headers: {\n        'Content-Type': 'application/json',\n        'Client-Id': 'CLIENT-01KFDKXMQ637EKEAY410MSQSXB',\n        'Api-Key': 'YOUR_API_KEY_HERE'\n      },\n      body: JSON.stringify({\n        type: 'PAYMENT',\n        amount: 50000,\n        payment_method: {\n          type: 'ACH',\n          account_number: '9876543210',\n          routing_number: '021000021',\n          account_type: 'Checking',\n          name: 'Montgomery Scott',\n          email: 'scotty@example.com'\n        },\n        recurring: false,\n        purchase_description: 'Monthly service fee'\n      })\n    }\n  );\n\n  const data = await resp.json();\n  console.log(data);\n}\n\nrun();"},{"lang":"php","title":"PHP","source":"/**\n * Requires libcurl\n */\n\n$curl = curl_init();\n\n$payload = array(\n  \"type\" => \"PAYMENT\",\n  \"amount\" => 50000,\n  \"payment_method\" => array(\n    \"type\" => \"ACH\",\n    \"account_number\" => \"9876543210\",\n    \"routing_number\" => \"021000021\",\n    \"account_type\" => \"Checking\",\n    \"name\" => \"Montgomery Scott\",\n    \"email\" => \"scotty@example.com\"\n  ),\n  \"recurring\" => false,\n  \"purchase_description\" => \"Monthly service fee\"\n);\n\ncurl_setopt_array($curl, [\n  CURLOPT_HTTPHEADER => [\n    \"Api-Key: YOUR_API_KEY_HERE\",\n    \"Client-Id: CLIENT-01KFDKXMQ637EKEAY410MSQSXB\",\n    \"Content-Type: application/json\"\n  ],\n  CURLOPT_POSTFIELDS => json_encode($payload),\n  CURLOPT_URL => \"https://api.dev.paradisegateway.net/v1/transactions\",\n  CURLOPT_RETURNTRANSFER => true,\n  CURLOPT_CUSTOMREQUEST => \"POST\",\n]);\n\n$response = curl_exec($curl);\n$error = curl_error($curl);\n\ncurl_close($curl);\n\nif ($error) {\n  echo \"cURL Error #:\" . $error;\n} else {\n  echo $response;\n}"},{"lang":"r","title":"R","source":"library(httr)\n\nbody = '{\n   \"type\": \"PAYMENT\",\n   \"amount\": 50000,\n   \"payment_method\": {\n    \"type\": \"ACH\",\n    \"account_number\": \"9876543210\",\n    \"routing_number\": \"021000021\",\n    \"account_type\": \"Checking\",\n    \"name\": \"Montgomery Scott\",\n    \"email\": \"scotty@example.com\"\n   },\n   \"recurring\": false,\n   \"purchase_description\": \"Monthly service fee\"\n}'\n\nurl = \"https://api.dev.paradisegateway.net/v1/transactions\"\n\ndata_req <- POST(\n  url,\n  add_headers(\"Content-Type\" = \"application/json\", \"Client-Id\" = \"CLIENT-01KFDKXMQ637EKEAY410MSQSXB\", \"Api-Key\" = \"YOUR_API_KEY_HERE\"),\n  body = body,\n  encode = \"json\",\n  verbose()\n)\n\ncontent(data_req)"}]},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"example-response","__idx":6},"children":["Example response"]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"json","header":{"controls":{"copy":{}}},"source":"{\n  \"id\": \"TRANSACTION-03LPSC0TTY9ZXQ5MV0H4Y6W8A\",\n  \"object\": \"transaction\",\n  \"type\": \"payment\",\n  \"transaction_state\": \"authorized\",\n  \"response_status\": \"Approved\",\n  \"response_code\": \"00\",\n  \"response_message\": \"The API request is approved.\",\n  \"amount_requested\": 50000,\n  \"amount_authorized\": 50000,\n  \"correlation_id\": \"d4e5f6a7-b8c9-0123-def0-123456789abc\"\n}\n","lang":"json"},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The transaction returns immediately with ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["authorized"]}," state. This does not mean the funds have been transferred — the ACH network processes the debit asynchronously."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"ach-vs-card-payment-timeline","__idx":7},"children":["ACH vs. card payment timeline"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["ACH transactions settle more slowly than card transactions because the ACH network processes in scheduled batches rather than in real time."]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Event"},"children":["Event"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Card (TSYS)"},"children":["Card (TSYS)"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"ACH (Vericheck)"},"children":["ACH (Vericheck)"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Authorization"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Real-time (< 3 seconds)"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Immediate API response (validation only)"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Batch submitted"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["End of business day"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Next business day"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Funds settled"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["1–2 business days"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["2–3 business days"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Returns possible"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Not applicable (chargebacks instead)"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Up to 60 days"]}]}]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"%%{init: { 'flowchart': { 'nodeSpacing': 180, 'rankSpacing': 100 } } }%%\nflowchart LR\n    %% Phases\n    subgraph Day0 [Day 0]\n        Req[[API Request]]\n    end\n\n    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