Instant ACH

The Paysafe Payments API supports Instant ACH as a Payment Instrument. You can process Instant ACH payments using the Payments API.

Typical Scenarios

Instant ACH Payment

When you want to process a Instant ACH payment request, you would do the following:

  1. Create a Payment Handle with the transactionType parameter set to PAYMENT and the paymentType parameter set to INSTANTACH.
  2. Since the customer has to complete payment authentication by providing Instant ACH details, Paysafe returns a response with the following:
    • The action parameter is set to REDIRECT
    • A payment_redirect link points to the Instant ACH redirect URL
  3. Redirect the customer to the Instant ACH redirect URL so they can provide the email address and password details to complete the money transfer.
  4. Upon successful customer authentication, the merchant gets notified at the URL specified in the on_completed parameter included with their request.
  5. At this point, the status of the Payment Handle becomes PAYABLE.
  6. Use the paymentHandleToken returned in the response to process the Payment request.

Once the Payment request is successfully completed, the funds are immediately transferred to the merchant's account.

APIs to use: Payment Handles + Payments

Instant ACH Withdrawal

When you want to process a Instant ACH withdrawal request, you would do the following:

  1. Create a Payment Handle with the transactionType parameter set to STANDALONE_CREDIT and the paymentType parameter set to INSTANTACH.
  2. This Payment Handle should immediately have the status of PAYABLE
  3. Use the paymentHandleToken returned in the response to process the Withdrawal request.

Once the Payment request is successfully completed, the funds are immediately transferred to the customer's account.

APIs to use: Payment Handles + Standalone Credits

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