Charging an Account


Charging a bank account using PayCertify Gateway is simple. All you need is the bank account information of the person or entity you want to credit or debit. Then decide how much you want to send or receive from their bank account.

Using Check Tokenization

In order to use a Tokenized data for sale, you can use the Tokenization tool in order to use the tokenized check instead of the original check info given.

Parameter Type Length Presence Description Example
tokenization_enabled boolean 8-19 Required (for Tokenization) Flag to enable Tokenization true
ach_token string 1-1000 Required (for Tokenization) The token value of the tokenized check info 57LVNSEW6K1LTUQ2MSP92NCAN7V057A7KST3BM
Parameter Type Length Description Example uuid 36 This transaction’s ID 41f00869-d7b3-413e-9476-9ef1a8bc2f28
transaction.merchant_id uuid 36 The user’s merchant ID 41f00869-d7b3-413e-9476-9ef1a8bc2f28
transaction.user_id uuid 36 The user’s ID 41f00869-d7b3-413e-9476-9ef1a8bc2f28
transaction.processor_id uuid 36 The processor’s ID 41f00869-d7b3-413e-9476-9ef1a8bc2f28
transaction.merchant_transaction_id string 1-255 The merchant assigned identifier my-order-id-0001
transaction.updated_at datetime - Last time this transaction was updated, on ISO 8601 UTC 2018-02-16T16:33:40+00:00
transaction.created_at datetime - Time that transaction was created, on ISO 8601 UTC 2018-02-16T16:33:40+00:00*.id uuid 36 This event’s ID 41f00869-d7b3-413e-9476-9ef1a8bc2f28*.success boolean - If the event was a successful event or not true*.event_type string 4-10 The type of event being performed auth, capture, sale, void, refund*.amount number 0.01-9999999 Total event amount 3.56*.processor_code string 2-10 The processor response code 00*.processor_message string 1-255 A human readable message from the processor APPROVAL V12341*.processor_transaction_id string 1-255 A processor assigned identifier 00000000143242*.updated_at datetime - Last time this event was updated, on ISO 8601 UTC 2018-02-16T16:33:40+00:00*.created_at datetime - Time that event was created, on ISO 8601 UTC 2018-02-16T16:33:40+00:00
curl --request POST \
  --url \
  --header 'Authorization: Bearer YOUR_API_TOKEN' \
  --form 'ach_token=57LVNSEW6K1LTUQ2MSP92NCAN7V057A7KST3BM' \
  --form 'tokenization_enabled=true' \
  --form 'amount=1.00' \
  --form 'first_name=John' \
  --form 'last_name=Doe'

Responds with:

  "transaction": {
    "id": "3410596f-d596-42d4-9811-41d43868e984",
    "merchant_id": "455a1c64-385b-41b2-a56f-34bf6c5c5335",
    "user_id": "6e064bf5-0e18-466b-811b-f967e8d73b9f",
    "processor_id": "30ff7682-6ec7-48f3-8d7a-62319a9c3c59",
    "account_number": "100000****0000",
    "check_number": "100000",
    "routing_number": "061103852",
    "first_name": "John",
    "last_name": "Doe",
    "updated_at": "2018-02-16T16:33:40+00:00",
    "created_at": "2018-02-16T16:33:39+00:00",
    "events": [
            "id": "84a8ab86-ee0e-47d4-8686-4e42fa58355e",
            "success": true,
            "threeds_response": null,
            "avs_response": null,
            "event_type": "sale",
            "amount": "1.00",
            "ip_address": "",
            "processor_code": "00",
            "processor_message": "Auhtorized",
            "processor_transaction_id": "000000000252616",
            "processor_threeds_response": null,
            "processor_avs_response": "0",
            "updated_at": "2018-02-16T16:33:40+00:00",
            "created_at": "2018-02-16T16:33:39+00:00"