Create an ACH token

United States

Canada

The Automated Clearing House (ACH) is an electronic network for processing electronic payments between banks. ACH lets you accept payments from customers who have United States (US) bank accounts.

Prerequisites

To process secure ACH payments, you need to:

Generate an ACH token.
Use the API source token along with an OAuth token to complete the Ecommerce API flow.

Steps

Generate a PAKMS key.
Send a POST request to the /v1/tokens endpoint. See the 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	Required
`check_type`	Indicates the check type. Values: - personal_check (first name, last name, and email required) - corporate_check (first name, last name, and email not required)	Required
`account_type`	Indicates the customer’s bank account type. 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.	Required
`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.	Required
`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, for example related to check by phone (CBP), E-check, or personal warranty.	Required
apikey	Universally unique identifier (ID) of the API.	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": "456",
                	"type": "E_CHECK_ICA_PERSONAL_SETTLEMENT",
                	"locale": "en_US",
                	"template_data": "firstName:John"
                }
        },
}'

Response example

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

Updated 22 days ago