Secure Payments API - ACH and NACHA Transactions


Creating and processing transactions through ACH processors or creating transactions in a NACHA file are import functions of Secure Payments (formerly PCI Wallet). This article will give instruction on creating transactions through the Secure Payments API.


Method: POST



The payloads for ACH and NACHA transactions have been standardized, so the payload has a similar format for both types of transactions. This includes verification transactions sent through ACH processors.

The payload looks like this:


   “checking-account”: {

       “token”: “string” // contains the checking account info
   “metadata”: {
       // json object with misc metadata used by LoanPro to identify transactions. Posted back on callbacks.
   “transaction”: { // the main transaction object
       “amount”: 0, // float.
       “sec-code”: “string”, // enumeration: PPD, CCD, TEL, WEB
       “funds_direction”: “string”, // enumeration: “ToCustomer” “FromCustomer”
       “phone”: “string”,
       “email”: “string”

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