Create an ACH token

North America—United States and Canada

The Automated Clearing House (ACH) is an electronic network for processing electronic payments between banks. To process secure ACH payments, use the API source token along with an OAuth token to complete the Ecommerce API flow.

Steps

Generate an Ecommerce API key or apiAccessKey.
Send a POST request to the /v1/tokens endpoint. See Create an ACH token.
Enter information in the required fields.

Field	Description	Require/Optional
`bank_account_number`	Customer's bank account number. Length: 10–12 digits.	Required
`bank_routing_number`	Customer's bank routing number. A 9-digit code that identifies the transaction source of any financial institution (FI).	Required
`encrypted`	Indicates whether the bank account number and customer identifier (Id) are encrypted. Values: - True - False	Optional
`check_type`	Indicates whether a bank account is a personal or a business account. Values: - Personal_check (first name, last name, and email required) - Corporate_check (first name, last name, and email not required)	Required
`account_type`	Indicates whether a bank account is a checking or a savings account. Values: - Savings - Checking	Required
`customer_id_type`	Indicates the type of customer identification document. Example: driver_license, ssn, tax_id, or miilitary_id	Required
`customer_id_state`	State indicated on the customer ID, for example, NJ driver license.	Required
`customer_id`	Value or details of the customer ID, for example, driver license number.	Required
`first_name`	First name on the check.	Required for personal check.
`last_name`	Last name on the check.	Required for personal check.
`business_name`	Business name on the check.	Required for corporate check.
`email`	Customer’s email address.	Required
`phone`	Customer’s phone number.	Required
`session_id`	Indicates the session identification of an authenticated session.	Optional
`address_line1`	First line of the address. Can include the street address, PO box, or company name.	Required
`address_line2`	Second line of the address. Can include the apartment, suite, unit, or building number.	Optional
`address_city`	City of the customer address. Can include district, suburb, town, or village.	Required
`address_state`	State of the customer address. Can include county, province, or region.	Required
`address_zip`	Postal or ZIP code of the customer address.	Required
`address_country`	Billing address country, if provided.	Optional
`agreement`	Agreement-related information. Note: Use the generic id for the sandbox: `2c74dcc0-61ad-4f08-8764-a29aeb98f4a4` or for production: `4f77df6d-70c9-4f36-af1d-f8ad1ad7b0cc`	Required
`apikey`	Public Ecommerce API key associated with a specific merchant and developer app. Use Retrieve an Ecommerce API key or PAKMS key to generate this key.	Required

A single-use ACH token is returned. The token is alphanumeric and begins with clv\_. Example: clv_1ABCDefgHI23jKL4m5nOPqR

Use the ACH token for a single payment for charge or pay for an order.

Request example

curl --request POST \
     --url 'https://token-sandbox.dev.clover.com/v1/tokens' \
     --header 'apikey: xxx' 
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
        "ach": {
                "bank_account_number": "1234567891",
                "bank_routing_number": "123456789",
                "check_type": "personal_check",
                "account_type": "checking",
                "customer_id_type": "driver_license",
                "customer_id_state": "CA",
                "customer_id": "10981111",
                "first_name": "John",
                "last_name": "Doe",
                "address_line1": "1800 Amphibious Blvd",
                "address_city": "Mountain View",
                "address_state": "CA",
                "address_zip": "94045",
                "phone": "0005550001",
                "email": "[email protected]",
                "agreement": {
                	"agreement_id": "2c74dcc0-61ad-4f08-8764-a29aeb98f4a4",
                	"type": "E_CHECK_GENERIC",
                	"locale": "en_US",
                	"template_data": "firstName:John"
                }
        },
}'

Response example

{"id": "clv_1ABCDefgHI23jKL4m5nOPQrS", "object": "token", "ach": {"account_last4": "7891", "routing_last4": "6789"}}

Updated about 1 month ago