Last Updated: 13 November 2024 | Change Log

Pay with ACH

Authorize an ACH payment and initiate a settlement request with one call.

Take a sale

POST your request to the direct:sale action link.

Sale example request

POST https://try.access.worldpay.com/payments/alternative/direct/sale

ACH sale request body:

{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "paymentInstrument": {
            "type": "bankAccountUS",
            "accountType": "checking|savings|corporate|corporateSavings",
            "accountNumber": "01234567890123456",
            "routingNumber": "01234567",
            "checkNumber": "012345678901234",
            "companyName": "for corporate accounts only",
            "billingAddress": {
                "firstName": "John",
                "lastName": "Johnson",
                "address1": "8500 Govenors Hill Drive",
                "address2": "Symmes Township",
                "address3": "",
                "postalCode": "45249",
                "city": "Ohio",
                "state": "OH",
                "countryCode": "US"
            }
        },
        "value": {
            "currency": "USD",
            "amount": 250
        }
    }
}

Parameter descriptions

Parameter	Required	Description
`transactionReference`	✅	The unique transaction reference for this sale. Up to 15 characters, digits only.
`merchant.entity`	✅	Used to route the sale request in Access Worldpay, created as part of on-boarding.
`instruction`	✅	The object that contains all the payment information related to the sale request.
`instruction.narrative.line1`	✅	This field is visible in the customer's bank statement.
`instruction.paymentInstrument`	✅	An object that contains bank account details.
`paymentInstrument.type`	✅	The type of payment instrument, must be "bankAccountUS" for ACH.
`paymentInstrument.accountType`	✅	Possible values: checking, savings, corporate, corporateSavings.
`paymentInstrument.accountNumber`	✅	Account number of direct debit account.
`paymentInstrument.routingNumber`	✅	Routing number of direct debit account.
`paymentInstrument.checkNumber`	❌	Check number of the direct debit account.
`paymentInstrument.companyName`	❌	Company name if a corporate account.
`paymentInstrument.billingAddress`	❌	An object containing the billing address information.
`paymentInstrument.billingAddress.firstName`	❌	An identifier for the `firstName` being used.
`paymentInstrument.billingAddress.lastName`	❌	An identifier for the `lastName` being used.
`paymentInstrument.billingAddress.address1`	❌	An identifier for the `address1` being used. If included you must send at least: `address1` `city` `countryCode` `postalCode`
`paymentInstrument.billingAddress.address2`	❌	An identifier for the `address2` being used.
`paymentInstrument.billingAddress.address3`	❌	An identifier for the `address3` being used.
`paymentInstrument.billingAddress.postalCode`	✅	An identifier for the `postalCode` being used.
`paymentInstrument.billingAddress.city`	✅	An identifier for the `city` being used.
`paymentInstrument.billingAddress.state`	❌	An identifier for the `state` being used.
`paymentInstrument.billingAddress.countryCode`	✅	An identifier for the `countryCode` being used.
`instruction.value`	❌	An object that contains the value of the sale.
`instruction.value.currency`	❌	An identifier for the `currency` being used.
`instruction.value.amount`	❌	An identifier for the `amount` being used.

Sale response

Best Practice

Access Worldpay returns a WP-CorrelationId in the headers of service responses. We highly recommend you log this. The WP-CorrelationId is used by us to examine individual service requests.

Successful payment

You receive:

an HTTP code 201
an "outcome": "sentForSettlement"
links to reverse or query your payment

Refused payment

You receive:

an HTTP code 201
an "outcome": "refused"

{
    "outcome": "sentForSettlement",
    "_links": {
        "direct:events": {
            "href": "https://try.access.worldpay.com/payments/alternative/direct/events/linkData"
        },
        "direct:reversal": {
            "href": "https://try.access.worldpay.com/payments/alternative/direct/reversals/linkData"
        },
        "curies": [{
            "name": "direct",
            "href": "https://try.access.worldpay.com/rels/payments/alternative/direct/{rels}",
            "templated": true
        }]
    }
}

Note

In case of an error, you can get further information in our error reference.

Next steps

Manage your payment