---
title: "Create ACH Charge"
method: POST
path: "/v1/achcharges"
---

# Create ACH Charge

`POST /v1/achcharges`

Creates ACH debit/credit movement.

## Headers

- `Accept` string, required
- `Content-Type` string, required
- `Idempotency-Key` string

## Request body

- object
  - `amount` integer, required — A positive integer in cents representing how much to charge.
  - `sec_code` 'CCD' | 'PPD' | 'TEL' | 'WEB', required — Sec. code' Must be one of the following: 'CCD','PPD','TEL','WEB'
  - `type` 'debit' | 'credit', required — Type of flow. Must be one of the following: 'debit','credit'. 'debit' charges the customer and deposits funds in into your (the merchant). 'credit' charges you (the merchant) and deposits funds into your customers account
  - `account_number` string — Account Number.
  - `routing_number` string — Routing Number
  - `first_name` string — First name of account holder
  - `last_name` string — Last name of account holder
  - `account_type` 'Personal Checking' | 'Personal Savings' | 'Business Checking' | 'Business Savings' — Account type. Must be one of the following: 'Personal Checking','Personal Savings','Business Checking','Business Savings'
  - `currency` string — Three-letter ISO currency code, in lowercase.
  - `receipt_email` string — Recepient Email
  - `receipt_phone` string — The cardholder's phone number.
  - `address_line1` string — The customer's address for line 1.
  - `zip` string — The customer's ZIP code.
  - `customer_id` string — An ID against which a new subscription will be created.
  - `bank_account_id` string — Bank account ID of the ACH charge.
  - `company_name` string — company_name is required when sending account type as Business Checking or Business Savings

## Response `201`

201

- object
  - `data` object
    - `object` string
    - `id` string
    - `amount` integer
    - `created_by` string
    - `status` string
    - `type` string
    - `authorization_id` integer
    - `validation_code` integer
    - `successful` boolean
    - `response_message` string
    - `created_at` string
    - `updated_at` string
    - `retried_achcharge_id` unknown
    - `sec_code` string
    - `bank_account` object
      - `data` object
        - `object` string
        - `id` string
        - `first_name` string
        - `last_name` string
        - `account_type` string
        - `sec_code` string
        - `routing_number` string
        - `account_number` string
        - `is_default` integer
  - `meta` object
    - `include` string[]
    - `custom` unknown[]
      - unknown

## Other responses

- `422` — 422

---

[API](https://skmtc.net/payarc/apis/payarc-sandbox.md) · [All operations](https://skmtc.net/payarc/apis/payarc-sandbox/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/payarc/payarc-sandbox/revisions/face82bdd778/schema)