The ACHQ API makes it easier to access users' bank accounts to enable fast, secure bank-to-bank payments and view financial data like account details, and transaction and balance history. It can move money around, onboard your customer's, validate KYC/AML information, and transfer to/from traditional banking systems all while remaining compliant.
\nHere you will find the resources you need to learn, test, and integrate to the ACHQ platform APU. Our solution provides you with the tools necessary to integrate a robust suite of bank payments and collections directly into your own platform's user journey.
\n\n\nWith ACHQ you can:
\n\n
\n- Initiate seamless bank-to-bank payments
\n- Tokenize financial accounts and customer profiles
\n- Verify user account details and balances
\n- View transaction history and monitor events
\n- Create processing accounts for your platform users
\n
Integrate with our developer-friendly API with and design your own user experience
\nYour platform credentials provided by ACHQ
\n","type":"text"},{"key":"Provider_GateID","value":"test","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"Provider_GateKey","value":"test","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.CreateACHQToken","type":"text","description":"Tokenizes the bank account information provided.
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Set to 2.0 for this API documentation revision
\n"},{"key":"CheckType","value":"Personal","type":"text","description":"Value must be Personal or Business
\n"},{"key":"AccountType","value":"Checking","type":"text","description":"Value must be Checking or Savings
\n"},{"key":"RoutingNumber","value":"123123123","type":"text","description":"ABA routing number on customer’s check
\n"},{"key":"AccountNumber","value":"123456789","type":"text","description":"Customer’s bank account number
\n"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Tokenizes your customer's bank account for secure storage and usage
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[{"id":"a342f44e-f5ea-42cf-9d30-f5831ee1c3cc","name":"Create payment token","originalRequest":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","description":"Your platform credentials provided by ACHQ","type":"text","disabled":true},{"key":"Provider_GateID","value":"test","description":"Your platform credentials provided by ACHQ","type":"text","disabled":true},{"key":"Provider_GateKey","value":"test","description":"Your platform credentials provided by ACHQ","type":"text","disabled":true},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ"},{"key":"Command","value":"ECheck.CreateACHQToken","type":"text","description":"Tokenizes the bank account information provided."},{"key":"CommandVersion","value":"2.0","type":"text","description":"Set to 2.0 for this API documentation revision"},{"key":"CheckType","value":"Personal","type":"text","description":"Value must be Personal or Business"},{"key":"AccountType","value":"Checking","type":"text","description":"Value must be Checking or Savings"},{"key":"RoutingNumber","value":"123123123","type":"text","description":"ABA routing number on customer’s check"},{"key":"AccountNumber","value":"123456789","type":"text","description":"Customer’s bank account number"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx"},"status":"OK","code":200,"_postman_previewlanguage":"html","header":[{"key":"Cache-Control","value":"private"},{"key":"Content-Type","value":"text/html; charset=utf-8"},{"key":"Content-Encoding","value":"gzip"},{"key":"Vary","value":"Accept-Encoding"},{"key":"Server","value":"Microsoft-IIS/10.0"},{"key":"Set-Cookie","value":"ASP.NET_SessionId=mxnejkul2s1sqxlcxivf5ufw; path=/; secure; HttpOnly; SameSite=Lax"},{"key":"X-AspNet-Version","value":"4.0.30319"},{"key":"X-Powered-By","value":"ASP.NET"},{"key":"Date","value":"Mon, 20 Nov 2023 18:16:24 GMT"},{"key":"Content-Length","value":"336"}],"cookie":[],"responseTime":null,"body":"{\"CommandStatus\":\"Approved\",\"Description\":\"Command Successful. Approved.\",\"ErrorInformation\":null,\"ExpressVerify\":{\"Status\":null,\"Code\":null,\"Description\":null},\"ResponseData\":null,\"ACHQToken\":\"achq-sandbox-3ff6d-b64fd-5a8a5\",\"Provider_TransactionID\":null,\"TransAct_ReferenceID\":\"18749623\",\"ResponseCode\":\"000\"}"}],"_postman_id":"ff7dc822-1447-420a-9c57-575838417347"},{"name":"Create a payment (bank account)","id":"db5cfdce-b7f6-43d3-876e-9ba6d9557785","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.ProcessPayment","type":"text","description":"Initiates an ACH payment to or from a bank account
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Use value 2.0
\n"},{"key":"TestMode","value":"Off","description":"Set this value to On to test a command response without creating a record. Default is Off.
\n","type":"text"},{"key":"Provider_TransactionID","value":"12345","type":"text","description":"A unique identifier assigned to this payment
\n"},{"key":"Amount","value":"50","type":"text","description":"The amount of the payment
\n"},{"key":"DateScheduled","value":"11/11/2011","description":"Date to process this payment. Format mm/dd/yyyy
\n","type":"text"},{"key":"DeliveryWindow","value":"Standard","description":"FirstAvailable or Standard. Use FirstAvailable if attempting to hit a Same-Day ACH delivery window. No value defaults to Standard ACH delivery
\n","type":"text"},{"key":"PaymentDirection","value":"FromCustomer","type":"text","description":"FromCustomer or ToCustomer. A FromCustomer value will initiate a debit while a ToCustomer transaction will initiate a credit to the customer from your bank account
\n"},{"key":"Merchant_ReferenceID","value":"12345","type":"text","description":"Reference ID the merchant wants assigned to this payment
\n"},{"key":"Description","value":"Test Transaction","type":"text","description":"A description for this transaction
\n"},{"key":"Billing_CustomerName","value":"Return me","type":"text","description":"The individual or business being debited or credited
\n"},{"key":"Billing_Address1","value":"123 Some Street","type":"text","description":"Street address of customer
\n"},{"key":"Billing_Address2","value":"Apt 2","description":"Additional street address information
\n","type":"text"},{"key":"Billing_City","value":"Some City","type":"text","description":"City of customer
\n"},{"key":"Billing_State","value":"TX","type":"text","description":"State of customer
\n"},{"key":"Billing_Zip","value":"12345","type":"text","description":"Zip of customer. Format: ##### or #####-####
\n"},{"key":"Billing_Country","value":"US","type":"text","description":"2-letter country code (ISO 3166). Default is US
\n"},{"key":"Billing_Email","value":"jbuyer@speedchex.com","type":"text","description":"Customer's email address
\n"},{"key":"Billing_Phone","value":"555-555-5555","description":"Customer's phone
\n","type":"text"},{"key":"Customer_IPAddress","value":"0.0.0.0","type":"text","description":"Customer’s IP Address. Only required if the SECCode field is set to WEB.
\n"},{"key":"Create_ACHQToken","value":"Yes","description":"Creates and returns an encrypted token associated with the customer's bank account to be stored for future use
\n","type":"text"},{"key":"SECCode","value":"WEB","type":"text","description":"Value must be PPD, CCD, WEB, or TEL
\n"},{"key":"CheckType","value":"Personal","type":"text","description":"Personal or Business
\n"},{"key":"AccountType","value":"Checking","type":"text","description":"Checking or Savings
\n"},{"key":"RoutingNumber","value":"123123123","type":"text","description":"Customer's bank routing number
\n"},{"key":"AccountNumber","value":"444444444","type":"text","description":"Customer's bank account number
\n"},{"key":"SendEmailToCustomer","value":"No","description":"Optionally have ACHQ send a payment notification email to the customer
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Initiates an ACH payment to or from a customer using raw bank account data
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"db5cfdce-b7f6-43d3-876e-9ba6d9557785"},{"name":"Create a payment (tokenized)","id":"52301278-1332-4d81-be89-df734d99597f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.ProcessPayment","type":"text","description":"Initiates an ACH payment to or from a bank account
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Use value 2.0
\n"},{"key":"TestMode","value":"Off","description":"Set this value to On to test a command response without creating a record. Default is Off.
\n","type":"text"},{"key":"Provider_TransactionID","value":"12345","type":"text","description":"A unique identifier assigned to this payment
\n"},{"key":"DateScheduled","value":"11/11/2011","description":"Date to process this payment. Format mm/dd/yyyy
\n","type":"text"},{"key":"DeliveryWindow","value":"Standard","description":"Value can be FirstAvailable or Standard. Use FirstAvailable if attempting to hit a Same-Day ACH delivery window.
\n","type":"text"},{"key":"PaymentDirection","value":"FromCustomer","type":"text","description":"Value must be FromCustomer or ToCustomer
\n"},{"key":"Amount","value":"50","type":"text","description":"The amount of the payment
\n"},{"key":"Merchant_ReferenceID","value":"12345","type":"text","description":"Reference ID the merchant wants assigned to this payment
\n"},{"key":"Description","value":"Test Transaction","type":"text","description":"A description for this transaction
\n"},{"key":"Billing_CustomerName","value":"John Doe","type":"text","description":"Name of person on bank account
\n"},{"key":"Billing_Address1","value":"123 Some Street","type":"text","description":"Street Address of customer
\n"},{"key":"Billing_City","value":"Some City","type":"text","description":"Additional street address information
\n"},{"key":"Billing_State","value":"TX","type":"text","description":"State of customer
\n"},{"key":"Billing_Zip","value":"12345","type":"text","description":"Zip of customer. Format: ##### or #####-####
\n"},{"key":"Billing_Country","value":"US","type":"text","description":"2-letter country code (ISO 3166). Default is US
\n"},{"key":"Billing_Email","value":"jbuyer@speedchex.com","type":"text","description":"Customer's email address
\n"},{"key":"Billing_Phone","value":"555-555-5555","description":"Customer's phone
\n","type":"text"},{"key":"Customer_IPAddress","value":"0.0.0.0","type":"text","description":"Customer’s IP Address. Only required if the SECCode field is set to WEB.
\n"},{"key":"Create_ACHQToken","value":"Yes","description":"Value must be Yes or No. Default is No if not specified.
\n","type":"text"},{"key":"SECCode","value":"WEB","type":"text","description":"Value must be PPD, CCD, WEB, or TEL.
\n"},{"key":"AccountToken","value":"processor-sandbox-74fb6a84-c434-41bb-8c3f-dd71fd1c18c9","description":"Token associated with the bank account you wish to transact on
\n","type":"text"},{"key":"TokenSource","value":"Plaid","description":"Possible values are: ACHQ, Plaid, or MX
\n","type":"text"},{"key":"Description","value":"Rent Payment","description":"Friendly description for this payment
\n","type":"text"},{"key":"SendEmailToCustomer","value":"No","description":"Optionally have ACHQ send a payment notification email to the customer
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Initiates an ACH payment to or from a customer using a token previously obtained from ACHQ or an open-banking API such as Plaid or MX.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"52301278-1332-4d81-be89-df734d99597f"},{"name":"Update a payment","id":"9506a353-e4ee-4188-82a9-42c010b91405","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.Update","type":"text","description":"Initiates an ACH payment to or from a bank account
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Use value 2.0
\n"},{"key":"Transact_ReferenceID","value":"14451929","description":"[required] The unique Transact_ReferenceID sent in response to the original ECheck.ProcessPayment command. This value specifies the payment record you wish to update
\n","type":"text"},{"key":"TestMode","value":"Off","description":"Set this value to On to test a command response without creating a record. Default is Off.
\n","type":"text"},{"key":"Provider_TransactionID","value":"12345","type":"text","description":"A unique identifier assigned to this payment
\n"},{"key":"DateScheduled","value":"11/11/2011","description":"Date to process this payment. Format mm/dd/yyyy
\n","type":"text"},{"key":"PaymentDirection","value":"FromCustomer","type":"text","description":"Value must be FromCustomer or ToCustomer. A FromCustomer value will initiate a debit while a ToCustomer transaction will initiate a credit to the customer from your bank account
\n"},{"key":"Amount","value":"50","type":"text","description":"The amount of the payment
\n"},{"key":"Merchant_ReferenceID","value":"12345","type":"text","description":"Reference ID the merchant wants assigned to this payment
\n"},{"key":"Description","value":"Test Transaction","type":"text","description":"A description for this transaction
\n"},{"key":"Billing_CustomerID","value":"123456A","type":"text","description":"A unique ID assigned to the customer.
\n"},{"key":"Billing_CustomerName","value":"John Doe","type":"text","description":"Name of person on bank account
\n"},{"key":"Billing_Address1","value":"123 Some Street","type":"text","description":"Street address of customer
\n"},{"key":"Billing_City","value":"Some City","type":"text","description":"Additional street address information
\n"},{"key":"Billing_State","value":"TX","type":"text","description":"State of customer
\n"},{"key":"Billing_Zip","value":"12345","type":"text","description":"Zip of customer. Format: ##### or #####-####
\n"},{"key":"Billing_Country","value":"US","type":"text","description":"2-letter country code (ISO 3166). Default is US
\n"},{"key":"Billing_Email","value":"jbuyer@speedchex.com","type":"text","description":"Customer's email address
\n"},{"key":"Billing_Phone","value":"555-555-5555","description":"Customer's phone
\n","type":"text"},{"key":"SendEmailToCustomer","value":"No","type":"text","description":"Value must be Yes or No. Will send payment notification email to customer
\n"},{"key":"Customer_IPAddress","value":"0.0.0.0","type":"text","description":"Customer’s IP Address. Only required if the SECCode field is set to WEB.
\n"},{"key":"SECCode","value":"WEB","type":"text","description":"Value must be PPD, CCD, WEB, or TEL
\n"},{"key":"DeliveryWindow","value":"Standard","description":"FirstAvailable or Standard. Use FirstAvailable if attempting to hit a Same-Day ACH delivery window. No value defaults to Standard ACH delivery
\n","type":"text"},{"key":"CheckType","value":"Personal","type":"text","description":"Personal or Business
\n"},{"key":"AccountType","value":"Checking","type":"text","description":"Checking or Savings
\n"},{"key":"RoutingNumber","value":"123123123","type":"text","description":"Customer's bank routing number
\n"},{"key":"AccountNumber","value":"123456789","type":"text","description":"Customer's bank account number
\n"},{"key":"AccountToken","value":"achq-sandbox-3ff6d-b64fd-5a8a5","description":"Token associated with the bank account you wish to transact on
\n","type":"text"},{"key":"TokenSource","value":"ACHQ","description":"Possible values are: ACHQ, Plaid, or MX
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Modifies a transaction if it has not yet been sent to the Federal Reserve for processing. Only include fields you wish to modify.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"9506a353-e4ee-4188-82a9-42c010b91405"},{"name":"Refund a payment","id":"c2ca6202-5809-487a-92b9-867b660f2ca6","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.Refund","type":"text","description":"Initiates a refund for a payment that has already \"Cleared\"
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Use value 2.0
\n"},{"key":"Transact_ReferenceID","value":"14401530","description":"The unique Transact_ReferenceID sent in response to the original ECheck.ProcessPayment command. This value specifies the payment record you wish to update
\n","type":"text"},{"key":"DateScheduled","value":"11/11/2011","description":"Date to process this payment. Format mm/dd/yyyy
\n","type":"text"},{"key":"Amount","value":"50","type":"text","description":"Use this field if you need to specify a refund amount less than the original debit amount
\n"},{"key":"Provider_TransactionID","value":"12345","description":"A unique identifier assigned to the refund by your system
\n","type":"text"},{"key":"Merchant_ReferenceID","value":"12345","type":"text","description":"[optional] The internal ID or invoice number the merchant wants assigned to this refund transaction.
\n"},{"key":"Description","value":"Refund","description":"A description for the refund transaction
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Reverses a previous debit that has settled (Cleared) and refunds the same amount (or less if specified) to the same bank account as the original referenced debit.
\nRefunds are automatically captured for settlement.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"c2ca6202-5809-487a-92b9-867b660f2ca6"},{"name":"Cancel a payment","id":"0076414f-a2ee-44df-9c4d-5888fd3d8c67","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.Void","type":"text","description":"Cancels the scheduled payment
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Use value 2.0
\n"},{"key":"TransAct_ReferenceID","value":"14452119","description":"The unique Transact_ReferenceID sent in response to the original ECheck.ProcessPayment command. This value specifies the payment record you wish to update
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Cancels (stops) a transaction from processing to the Federal Reserve.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"0076414f-a2ee-44df-9c4d-5888fd3d8c67"},{"name":"Hold a payment","id":"b2eca503-59fc-43e1-8816-70b3833a369c","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.Hold","type":"text","description":"Places a scheduled transaction on ‘Merchant Hold’ if it has not yet been sent to the Federal Reserve for processing. T
\n"},{"key":"CommandVersion","value":"1.0","type":"text","description":"Use a value of 1.0 for this function
\n"},{"key":"Transact_ReferenceID","value":"14451125","description":"The unique Transact_ReferenceID sent in response to the original ECheck.ProcessPayment command. This value specifies the payment record you wish to update
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Cancels (stops) a transaction from processing to the Federal Reserve.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"b2eca503-59fc-43e1-8816-70b3833a369c"}],"id":"c922d891-27e7-4c45-bb2c-992447e34052","description":"*Speed up your payments using ACHQ's payments solutions:
*Utilize ACHQ's platform API for all your embedded payment needs. One API - for push and pull ACH - for merchant activation - for risk management - for reporting, and RTP instant payments (coming soon).
Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"Provider_GateID","value":"test","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"Provider_GateKey","value":"test","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.VerifyPlus","type":"text","description":"Performs advanced bank account verification, returns additional information on valid bank accounts and optionally authenticates the ownership of the bank account.
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Set to 2.0 for this API documentation version
\n"},{"key":"RoutingNumber","value":"123123123","type":"text","description":"ABA routing number on customer’s check
\n"},{"key":"AccountNumber","value":"123456789","type":"text","description":"Customer’s bank account number
\n"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"Uses the routing and account number to provide real-time account status for consumer and business accounts giving you confidence that a bank account is valid prior to approving a deposit or accepting a payment.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"0fc7f1c1-ed6f-4f80-8ab2-8638119dcf0a"},{"name":"Bank Account ID","id":"882d6713-7d65-4c87-9313-c4bc244210fe","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"Provider_GateID","value":"test","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"Provider_GateKey","value":"test","description":"Your platform credentials provided by ACHQ
\n","type":"text"},{"key":"MerchantID","value":"2001","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheck.VerifyPlus","type":"text","description":"Performs advanced bank account verification, returns additional information on valid bank accounts and optionally authenticates the ownership of the bank account.
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Set to 2.0 for this API documentation version
\n"},{"key":"RoutingNumber","value":"123123123","type":"text","description":"[required] ABA routing number on customer’s check
\n"},{"key":"AccountNumber","value":"123456789","type":"text","description":"[required] Customer’s bank account number
\n"},{"key":"OwnerAuth","value":"On","description":"[required] Value must be \"On\"
\n","type":"text"},{"key":"CustomerName","value":"Bob Loblaw","description":"[conditional] Name of person on bank account if this is a personal account
\n","type":"text"},{"key":"Company","value":"","description":"[conditional] Company name on bank account if this is a business account
\n","type":"text"},{"key":"Address1","value":"123 Street","description":"[optional] Street address on bank account
\n","type":"text"},{"key":"Address2","value":"","description":"[optional] Additional address information
\n","type":"text"},{"key":"City","value":"Anytown","description":"[optional] Customer's city
\n","type":"text"},{"key":"State","value":"","description":"[optional] Customer's state
\n","type":"text"},{"key":"Zip","value":"12345","description":"[optional] Customer's zip
\n","type":"text"},{"key":"Country","value":"US","description":"[optional] Customer's country. Only US and CA are supported
\n","type":"text"},{"key":"Phone","value":"123-867-5309","description":"[optional] Customer's phone number
\n","type":"text"},{"key":"TaxID","value":"123456789","description":"[optional] Personal SSN/Last 4 or Business EIN
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"First uses the routing and account number to provide real-time account status for consumer and business accounts
\nIf the account is valid, verifies your customer is an
authorized signatory on a bank account to confirm transactional authority on the account prior to processing a payment.
Stay compliance and reduce returns by verifying bank account status and ownership prior to transacting
\n","_postman_id":"0eefafcc-4bd3-4c85-9f53-f77cf90c6372"},{"name":"Event Monitoring","item":[{"name":"Payment Event Tracking","id":"fac2a1b1-abbc-4292-a727-9f3418533df1","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"ProviderID","value":"99","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateID","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Provider_GateKey","value":"test","type":"text","description":"Your platform credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheckReports.StatusTrackingQuery","type":"text","description":"Set to ECheckReports.StatusTrackingQuery
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Set to 2.0 to enforce this API documentation version
\n"},{"key":"TrackingDate","value":"12012020","type":"text","description":"The date for which you want to retrieve status update information. Accepted formats (MM/DD/YYYY or MMDDYYYY)
\n"},{"key":"MerchantID","value":"9999","description":"[optional] Only set if you want to limit query results to a single merchant
\n","type":"text"}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","description":"The Event Tracking API provides platforms an automation platform for querying the status of payments submitted to ACHQ.
\n","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"fac2a1b1-abbc-4292-a727-9f3418533df1"},{"name":"Payment Event Tracking - Merchants","id":"fb4518f8-a787-496c-9a60-5d1bddf9e5f2","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"MerchantID","value":"2001","type":"text","description":"Your merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateID","value":"test","type":"text","description":"Your merchant credentials provided by ACHQ
\n"},{"key":"Merchant_GateKey","value":"test","type":"text","description":"Your merchant credentials provided by ACHQ
\n"},{"key":"Command","value":"ECheckReports.StatusTrackingQuery","type":"text","description":"Set to ECheckReports.StatusTrackingQuery
\n"},{"key":"CommandVersion","value":"2.0","type":"text","description":"Set to 2.0 to enforce this API documentation version
\n"},{"key":"TrackingDate","value":"03152023","type":"text","description":"The date for which you want to retrieve status update information. Accepted formats (MM/DD/YYYY or MMDDYYYY)
\n"},{"key":"MerchantID","value":"9999","description":"[optional] Only set if you want to limit query results to a single merchant
\n","type":"text","disabled":true}]},"url":"https://www.speedchex.com/datalinks/transact.aspx","urlObject":{"protocol":"https","path":["datalinks","transact.aspx"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"fb4518f8-a787-496c-9a60-5d1bddf9e5f2"}],"id":"4af70701-1894-4836-8cb5-b7551a2f5ddc","description":"Report status events, settlements, and cleared payments to your customers from within your platform.
\n","_postman_id":"4af70701-1894-4836-8cb5-b7551a2f5ddc"},{"name":"Merchant Onboarding","item":[{"name":"Activate an account","id":"8c00d7e0-d5ca-40b5-823e-85ac54c03715","protocolProfileBehavior":{"disabledSystemHeaders":{"content-type":true},"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"ProviderID","value":"99","type":"text"},{"key":"Provider_GateID","value":"test","type":"text"},{"key":"Provider_GateKey","value":"test","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"authorizedRepresentative\": {\r\n \"firstName\": \"TestFirstRep\",\r\n \"lastName\": \"TestLastRep\",\r\n \"title\": \"Representative\",\r\n \"email\": \"test123@achq.com\",\r\n \"authRepPhone\": \"1234578900\",\r\n \"ownerShipPercent\": \"100\"\r\n },\r\n \"bankAccounts\": {\r\n \"transfers\": {\r\n \"bankName\": \"testBank\",\r\n \"routingNumber\": \"123123123\",\r\n \"accountNumber\": \"1234567890\",\r\n \"tokenType\": null,\r\n \"transferProcessorToken\": null\r\n },\r\n \"billing\": {\r\n \"bankName\": \"testbank\",\r\n \"routingNumber\": \"123123123\",\r\n \"accountNumber\": \"1234567890\",\r\n \"billingTokenType\": null,\r\n \"billingProcessorToken\": null\r\n }\r\n },\r\n \"businessEntity\": {\r\n \"legalBusinessName\": \"test\",\r\n \"taxId\": \"123456789\",\r\n \"companyDBA\": \"test\",\r\n \"industryCategory\": \"Entertainment And Recreation\",\r\n \"specificIndustry\": \"Sporting and recreational camps\",\r\n \"type\": \"corporation\",\r\n \"website\": \"www.website.com\",\r\n \"phone\": \"1234567890\",\r\n \"businessDescription\": \"web development\",\r\n \"address1\": \"123 Some Street\",\r\n \"address2\": \"\",\r\n \"city\": \"Arlington\",\r\n \"state\": \"Texas\",\r\n \"zip\": \"11111\",\r\n \"country\": \"united states\"\r\n },\r\n \"onboardFunctions\": {\r\n \"requireKYC\": true,\r\n \"requirePlaidConnect\": true\r\n },\r\n \"paymentProfile\": {\r\n \"enableCharges\": true,\r\n \"enablePayouts\": true,\r\n \"chargeDollarsMonth\": \"500\",\r\n \"chargesPerMonth\": \"500\",\r\n \"chargesMaxAmount\": \"1\",\r\n \"payoutsDollarsMonth\": \"500\",\r\n \"payoutsPerMonth\": \"500\",\r\n \"payoutsMaxAmount\": \"1\",\r\n \"customerTypeConsumer\": true,\r\n \"customerTypeBusiness\": true,\r\n \"enablePPD\": true,\r\n \"enableCCD\": true,\r\n \"enableWEB\": true,\r\n \"enableTEL\": true,\r\n \"statementDescriptor\": \"BillMe\",\r\n \"customerServicePhone\": \"1234568790\",\r\n \"customerServiceEmail\": \"test@achq.com\",\r\n \"serviceUseCase\": \"Make money\"\r\n },\r\n \"principalOwner\": {\r\n \"firstName\": \"TestFirst\",\r\n \"lastName\": \"TestLast\",\r\n \"jobTitle\": \"Manager\",\r\n \"email\": \"test332@achq.com\",\r\n \"mobilePhone\": \"1234568790\",\r\n \"ssn\": \"123456789\",\r\n \"ownershipPercent\": \"100\",\r\n \"dob\": \"01/01/2000\",\r\n \"address1\": \"123 test\",\r\n \"address2\": \"\",\r\n \"city\": \"arlington\",\r\n \"state\": \"texas\",\r\n \"zip\": \"76017\",\r\n \"ipAddress\": \"22.128.58.172\"\r\n },\r\n \"feeProfileId\": \"\",\r\n \"feeProfile\": {\r\n \"feeName\": \"545645\",\r\n \"monthlyFee\": \"1\",\r\n \"transactionFee\": \"1\",\r\n \"returnFee\": \"1\",\r\n \"disputeFee\": \"1\",\r\n \"percentFee\": \"1\",\r\n \"percentCap\": \"1\",\r\n \"bankStatusFee\": \"1\",\r\n \"bankIdFee\": \"1\",\r\n \"setupFee\": \"1\",\r\n \"metaData\": \"1\"\r\n }\r\n}"},"url":"https://www.speedchex.com/api/onboarding","auth":{"type":"apikey","apikey":{"basicConfig":[]},"isInherited":true,"source":{"_postman_id":"386d449a-f30e-47b7-93a1-f4bb8557446b","id":"386d449a-f30e-47b7-93a1-f4bb8557446b","name":"Merchant Onboarding","type":"folder"}},"urlObject":{"protocol":"https","path":["api","onboarding"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"8c00d7e0-d5ca-40b5-823e-85ac54c03715"},{"name":"Create fee profile","id":"97508a20-90f6-43bd-b132-36d0ffe8adf4","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"ProviderID","value":"99","type":"text"},{"key":"Provider_GateID","value":"test","type":"text"},{"key":"Provider_GateKey","value":"test","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\r\n\"fee\": {\r\n \"feeProfile\": {\r\n \"feeName\": \"some Fee Name\",\r\n \"monthlyFee\": 20,\r\n \"transactionFee\": 20,\r\n \"returnFee\": 2.25,\r\n \"disputeFee\": 20.00,\r\n \"percentFee\": 5,\r\n \"percentCap\": 200,\r\n \"bankStatusFee\": 1,\r\n \"bankIdFee\": 1,\r\n \"setupFee\": 1\r\n },\r\n \"metaData\": \"no meta data\"\r\n }\r\n}"},"url":"https://www.speedchex.com/api/onboarding/fees","auth":{"type":"apikey","apikey":{"basicConfig":[]},"isInherited":true,"source":{"_postman_id":"386d449a-f30e-47b7-93a1-f4bb8557446b","id":"386d449a-f30e-47b7-93a1-f4bb8557446b","name":"Merchant Onboarding","type":"folder"}},"urlObject":{"protocol":"https","path":["api","onboarding","fees"],"host":["www","speedchex","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"97508a20-90f6-43bd-b132-36d0ffe8adf4"},{"name":"New Request","id":"f7d6d5d3-1bdd-49fe-bd96-7156863d371d","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"auth":{"type":"apikey","apikey":{"basicConfig":[]},"isInherited":true,"source":{"_postman_id":"386d449a-f30e-47b7-93a1-f4bb8557446b","id":"386d449a-f30e-47b7-93a1-f4bb8557446b","name":"Merchant Onboarding","type":"folder"}},"urlObject":{"query":[],"variable":[]},"url":""},"response":[],"_postman_id":"f7d6d5d3-1bdd-49fe-bd96-7156863d371d"}],"id":"386d449a-f30e-47b7-93a1-f4bb8557446b","auth":{"type":"apikey","apikey":{"basicConfig":[]},"isInherited":false},"event":[{"listen":"prerequest","script":{"id":"35edefa1-155c-461a-8326-d86b0350be15","type":"text/javascript","exec":[""]}},{"listen":"test","script":{"id":"92b784e8-fe85-491d-8e4d-b931bbc75bab","type":"text/javascript","exec":[""]}}],"_postman_id":"386d449a-f30e-47b7-93a1-f4bb8557446b","description":""}],"variable":[{"key":"ProviderID","value":"99"}]}