Direct Debit
You can integrate your e-commerce application directly to our platform-agnostic Direct Debit API and process purchases and credits through a variety of bank schemes.
Click the links below to view our code samples.
Verify That the Service Is Accessible
$isOnline = $client->directDebitService()->monitor();
Direct Debit Purchases
Process a Purchase
$response = $this->ACHclient->directDebitService()->submit(new Purchase(array(
'merchantRefNum' => "ORDER_ID:1231",
'amount' => 100,
'ach' => array(
'accountHolderName' => "John",
'accountType' => "CHECKING",
'accountNumber' => "988772192",
'routingNumber' => "211589828",
'payMethod' => "PPD"
) ,
'profile' => array(
'firstName' => "John",
'lastName' => "Doe",
'email' => "Joe.Smith@hotmail.com"
) ,
'billingDetails' => array(
'street' => 'Broadway',
'city' => 'city',
'state' => 'New York',
'country' => 'US',
'zip' => '10007',
'phone' => '2126455550'
)
)));
$response = $client->directDebitService()->submit(new Purchase(array(
'merchantRefNum' => "ORDER_ID:1235";
'amount' => 100,
'ach' => array(
'paymentToken' => 'DeZpXwrWtKIt8pN',
'payMethod' => "WEB"
)
)));
$response = $client->directDebitService()->submit(new Purchase(array(
'merchantRefNum' => "ORDER_ID:1231",
'amount' => 100,
'eft' => array(
'accountHolderName' => "John",
'accountNumber' => "336612",
'transitNumber' => "22446",
'institutionId' => "001"
) ,
'profile' => array(
'firstName' => "John",
'lastName' => "Doe",
'email' => "Joe.Smith@hotmail.com"
) ,
'billingDetails' => array(
'street' => 'Broadway',
'city' => 'New York city',
'state' => 'New York',
'country' => 'US',
'zip' => '10007',
'phone' => '2126455550'
)
)));
$response = $client->directDebitService()->submit(new Purchase(array(
'merchantRefNum' => "ORDER_ID:1235",
'amount' => 100,
'eft' => array(
'paymentToken' => 'Dw6TqO65OiBamTA'
)
)));
$response = $client->directDebitService()->submit(new Purchase(array(
'merchantRefNum' => "ORDER_ID:1235",
'amount' => 100,
'bacs' => array(
'paymentToken' => 'MPYuiNEUsKG5Y3A'
)
)));
$response = $client->directDebitService()->submit(new Purchase(array(
'merchantRefNum' => "ORDER_ID:1235",
'amount' => 100,
'sepa' => array(
'paymentToken' => 'MDY403mrZlgYgcL'
)
)));
Cancel a Purchase
$response = $client->directDebitService()->cancelPurchase(new Purchase(array(
'status' => "CANCELLED"
)));
Look Up a Purchase
$purchase = $client->directDebitService()->getPurchase(new Purchase(array(
'status' => "COMPLETED"
)));
$response = $client->directDebitService()->getStandaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => “ORDER_ID:
1231”
)) , new Filter(array(
'limit' => 15,
'offset' => 0
)));
Direct Debit Standalone Credits
Process a Standalone Credit
$response = $client->directDebitService()->standaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => "ORDER_ID:1231",
'amount' => "100",
'ach' => array(
'accountHolderName' => "XYZ Company",
'accountType' => "CHECKING",
'accountNumber' => "988772192",
'routingNumber' => "211589828",
'payMethod' => "PPD"
) ,
'profile' => array(
'firstName' => "Joe",
'lastName' => "smith",
'email' => "Joe.Smith@hotmail.com"
) ,
'billingDetails' => array(
'street' => "100 Queen Street West",
'city' => "Los Angeles",
'state' => "CA",
'country' => "US",
'zip' => "M5H 2N2",
'phone' => "3102649010"
)
)));
$response = $client->directDebitService()->standaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => “ORDER_ID:
1231”'amount' => "10098",
'ach' => array(
'paymentToken' => "DmeucrpwVXlrLkw",
'payMethod' => "PPD"
) ‘customerIp’ => "192.0.126.111"
)));
$response = $client->directDebitService()->standaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => "ORDER_ID:1231",
'amount' => "100",
'eft' => array(
'accountHolderName' => "XYZ Company",
'accountNumber' => "336612",
'transitNumber' => "22446",
'institutionId' => "001"
) ,
"customerIp":
"192.0.126.111",
'profile' => array(
'firstName' => "Joe",
'lastName' => "Doe",
'email' => " Joe.Smith@hotmail.com "
) ,
'billingDetails' => array(
'street' => "100 Queen Street West",
'city' => "Los Angeles",
'state' => "CA",
'country' => "US",
'zip' => "M5H 2N2",
'phone' => "3102649010"
)
)));
$response = $client->directDebitService()->standaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => “ORDER_ID:
1235”,
'amount' => "100",
'eft' => array(
'paymentToken' => "Dw6TqO65OiBamTA",
)
)));
$response = $client->directDebitService()->standaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => "ORDER_ID:1231",
'amount' => "100",
'bacs' => array(
'paymentToken' => "Dw6TqO65OiBamTA",
)
)));
Cancel a Standalone Credit
$response = $client->directDebitService()->cancelStandaloneCredits(new StandaloneCredits(array(
'status' => "CANCELLED"
)));
Look Up a Standalone Credit
$response = $client->directDebitService()->getStandaloneCredit(new StandaloneCredits(array(
'status' => "CANCELLED"
)));
$response = $client->directDebitService()->getStandaloneCredits(new StandaloneCredits(array(
'merchantRefNum' => “ORDER_ID:
1231”
)) , new Filter(array(
'limit' => 15,
'offset' => 0
)));