---
title: "POST /validate_ach_payment_method"
method: POST
path: "/validate_ach_payment_method"
tags: ["Payment Methods"]
---

# POST /validate_ach_payment_method

`POST /validate_ach_payment_method`

This endpoint can be used to verify an ACH payment method to confirm the bank account is valid and belongs to the consumer. To verify a bank account is valid, pass the following parameters into the request:<ul><li><code>ach_aba_pii</code></li><li><code>ach_account_pii</code></li></ul> If successful, the response will include a <code>verification_response</code> and an <code>account_response_code</code> combination that indicates the level of risk. For more information on these combinations, see [ACH Verification Services](https://apidocs.paynearme.com/devdocs/docs/ach-verification-services).

## Request body

- ValidatePaymentMethod — Verifies the current status of the bank account in real-time and reports any negative history associated with the account.
  - `site_identifier` string — Identifies your client site.
  - `timestamp` string — The Unix Epoch time of the call
  - `version` string — The version of the API. This version must match the version associated with your API key pair.
  - `signature` string — The HMAC signature that is calculated by running your API Secret Key and the alphabetized, concatenated parameters of the request payload through the SHA256 message digest algorithm.
  - `ach_aba_pii` string — The 9-digit ABA/routing number to verify.
  - `ach_account_pii` string — The account number of the bank account.

## Response `200`

Payment Method Valid

- ValidatePaymentMethodResponse200
  - `status` 'ok' — The status of the validation request.
  - `giact` ValidatePaymentMethodResponse200Giact — The verification and account response codes for the bank account.
    - `verification_response` string — The verification code associated with the bank account. See [ACH Verification Services](https://apidocs.paynearme.com/devdocs/docs/ach-verification-services) for more information.
    - `account_response_code` string — The Account Response Code associated with the bank account. See [ACH Verification Services](https://apidocs.paynearme.com/devdocs/docs/ach-verification-services) for more information.

## Other responses

- `400` — Invalid Routing Number

---

[API](https://skmtc.net/paynearme/apis/paynearme-api-v3-0.md) · [All operations](https://skmtc.net/paynearme/apis/paynearme-api-v3-0/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/paynearme/paynearme-api-v3-0/revisions/44cba4f8b80f/schema)