Secure Payments API – ACH and NACHA Transactions

General

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.

Endpoints

Here's a sample endpoint, with {processor_type} and {processor_id} standing in place for the type and ID of the actual processor you're using.

POST https://pciwallet.simnang.com/api/processors/{processor_type}/process/{processor_id}

For instance, if you're using an NACHA processor with an ID of 589, you're endpoint would be https://pciwallet.simnang.com/api/processors/nacha/process/589

The checking account processor types include

  • loanpaymentpro-ach
  • speedchex
  • versa
  • nacha

Payload

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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