--- title: "Validate ACH transaction" method: POST path: "/rest/v2/ach/transactions/validate" tags: ["ACH Transactions"] --- # Validate ACH transaction `POST /rest/v2/ach/transactions/validate` Validate the ACH bank account without creating or submitting a transaction. ## Headers - `api-key` string, required ## Request body - AchTransaction — This model represents the ach transaction in the response - `type` 'Debit' | 'Credit', required — Type of the ACH transaction. - `amount` string — The transaction amount. - `status` 'Pending' | 'Settling' | 'Settled' | 'Returned' | 'Writing' | 'Declined' | 'Not_Confirmed' | 'Sent' | 'Rejected' | 'Funded' | 'Partially_Funded' | 'Completed' — Current status of the ACH transaction. Possible values: Pending, Settling, Settled, Returned. - `routing-number` string, required — Bank routing number associated with the transaction. - `account-number` string, required — Last four digits of the bank account number. - `account-type` 'Checking' | 'Savings', required — Type of bank account. - `standard-entry-class-code` 'PPD', required — ACH Standard Entry Class (SEC) code. For example, PPD. - `individual-name` string — Name associated with the bank account. - `id` string — Unique identifier of the ACH transaction. - `check-status` 'Pending' | 'Rejected' | 'Debit Sent' | 'Cancelled' | 'Credit Sent' | 'Unprocessed' — Check status of the ACH transaction. Possible values: Pending, Rejected, Debit Sent, Cancelled. - `funding-status` 'Pending' | 'No Credit' | 'Credit Sent' | 'Chargeback' | 'Debit Sent' | 'Unprocessed' — Funding status of the ACH transaction. Possible values: Pending, No Credit, Credit Sent, Chargeback. - `invoice` string — Invoice number associated with the transaction. - `check-number` string — Check number used for duplicate transaction validation. - `billing` Address — Contains the customer's billing address details. - `company` string — Company name associated with the billing address. - `street` string — Primary street address for the billing. - `street2` string — Secondary street address information, if available. - `city` string — City associated with the billing address. - `state` string — State or province of the billing address. - `zip` string — ZIP or postal code of the billing address. - `country` string — Country of the billing address. - `phone` string — Phone number associated with the billing address. - `first-name` string — First name of the billing contact. - `last-name` string — Last name of the billing contact. - `shipping` Address — Contains the customer's billing address details. - `company` string — Company name associated with the billing address. - `street` string — Primary street address for the billing. - `street2` string — Secondary street address information, if available. - `city` string — City associated with the billing address. - `state` string — State or province of the billing address. - `zip` string — ZIP or postal code of the billing address. - `country` string — Country of the billing address. - `phone` string — Phone number associated with the billing address. - `first-name` string — First name of the billing contact. - `last-name` string — Last name of the billing contact. - `purchase-order` string — Purchase order number. - `order-id` string — A merchant-defined order identifier. - `status-change-date` string — Date and time when the transaction status last changed (UTC). - `customer-id` string — A merchant-defined customer identifier. - `email-address` string — The customer's email address. - `description` string — Short description of the transaction. - `comments` string — Additional comments associated with the transaction. - `billing-is-shipping` 'true' | 'false' — Indicates whether the billing and shipping addresses are the same. - `display-message` string — A message describing the transaction status. - `provider-transaction-id` string — Transaction identifier assigned by the ACH provider. - `trace-number` string — ACH trace number associated with a settled or returned transaction. - `settled-date` string — Date and time when the transaction was settled (UTC). - `returned-date` string — Date and time when the transaction was returned (UTC). - `returned-code` string — NACHA return code for a returned transaction. - `returned-message` string — The description of the return reason. - `ach-token` AchTokenResponse — Tokenized ACH account information. - `token-id` string — Unique identifier of the ACH token. - `times-used` integer — Number of times the token has been used in an ACH transaction. - `last-used` string — Date and time when the token was last used (UTC). - `merchant-id` string — The merchant's unique identification number associated with the token. - `routing-number` string — Bank routing number - `account-number` string — Masked or last four digits of the bank account number. - `account-type` 'Checking' | 'Savings' — Type of the bank account. Possible values: Checking, Savings. - `individual-name` string — Name associated with the bank account. - `token-description` string — A brief description of the ACH token. - `created` string — Date and time when the token was created (UTC). - `updated` string — Date and time when the token was last updated (UTC). - `customer-key` string — Unique customer key associated with the token. - `default` boolean — Indicates whether this token is the default for the card number. - `merchant-id` string — The merchant identifier associated with the token. - `terminal-id` string — Identifier of the terminal or API key used to create the transaction. - `software-type` string — Name of the software application that submitted the transaction. - `paya-authorization` string — Authorization reference returned by the Paya. - `processing-type` string — Processing type of the transaction. - `external-transaction-reference` string — Identifies the transaction reference provided by the requester and must be unique per requester. - `execution-date` string — Date when the ACH transaction is executed. - `token-id` string — Identifier for the ACH payment token. - `create-date` string — Date when the ACH transaction was created. - `micr-data` string — Contains the MICR data printed on the check. - `image-front-edoc-id` string — eDocs document ID for the front image of the check. - `image-back-edoc-id` string — eDocs document ID for the back image of the check. - `image-front` string — Check's front image as Base64. - `image-back` string — Check's back image as Base64. ## Response `200` ok - AchTransactionResponsePayload — Payload - `ach-transaction` AchTransaction — This model represents the ach transaction in the response - `type` 'Debit' | 'Credit', required — Type of the ACH transaction. - `amount` string — The transaction amount. - `status` 'Pending' | 'Settling' | 'Settled' | 'Returned' | 'Writing' | 'Declined' | 'Not_Confirmed' | 'Sent' | 'Rejected' | 'Funded' | 'Partially_Funded' | 'Completed' — Current status of the ACH transaction. Possible values: Pending, Settling, Settled, Returned. - `routing-number` string, required — Bank routing number associated with the transaction. - `account-number` string, required — Last four digits of the bank account number. - `account-type` 'Checking' | 'Savings', required — Type of bank account. - `standard-entry-class-code` 'PPD', required — ACH Standard Entry Class (SEC) code. For example, PPD. - `individual-name` string — Name associated with the bank account. - `id` string — Unique identifier of the ACH transaction. - `check-status` 'Pending' | 'Rejected' | 'Debit Sent' | 'Cancelled' | 'Credit Sent' | 'Unprocessed' — Check status of the ACH transaction. Possible values: Pending, Rejected, Debit Sent, Cancelled. - `funding-status` 'Pending' | 'No Credit' | 'Credit Sent' | 'Chargeback' | 'Debit Sent' | 'Unprocessed' — Funding status of the ACH transaction. Possible values: Pending, No Credit, Credit Sent, Chargeback. - `invoice` string — Invoice number associated with the transaction. - `check-number` string — Check number used for duplicate transaction validation. - `billing` Address — Contains the customer's billing address details. - `company` string — Company name associated with the billing address. - `street` string — Primary street address for the billing. - `street2` string — Secondary street address information, if available. - `city` string — City associated with the billing address. - `state` string — State or province of the billing address. - `zip` string — ZIP or postal code of the billing address. - `country` string — Country of the billing address. - `phone` string — Phone number associated with the billing address. - `first-name` string — First name of the billing contact. - `last-name` string — Last name of the billing contact. - `shipping` Address — Contains the customer's billing address details. - `company` string — Company name associated with the billing address. - `street` string — Primary street address for the billing. - `street2` string — Secondary street address information, if available. - `city` string — City associated with the billing address. - `state` string — State or province of the billing address. - `zip` string — ZIP or postal code of the billing address. - `country` string — Country of the billing address. - `phone` string — Phone number associated with the billing address. - `first-name` string — First name of the billing contact. - `last-name` string — Last name of the billing contact. - `purchase-order` string — Purchase order number. - `order-id` string — A merchant-defined order identifier. - `status-change-date` string — Date and time when the transaction status last changed (UTC). - `customer-id` string — A merchant-defined customer identifier. - `email-address` string — The customer's email address. - `description` string — Short description of the transaction. - `comments` string — Additional comments associated with the transaction. - `billing-is-shipping` 'true' | 'false' — Indicates whether the billing and shipping addresses are the same. - `display-message` string — A message describing the transaction status. - `provider-transaction-id` string — Transaction identifier assigned by the ACH provider. - `trace-number` string — ACH trace number associated with a settled or returned transaction. - `settled-date` string — Date and time when the transaction was settled (UTC). - `returned-date` string — Date and time when the transaction was returned (UTC). - `returned-code` string — NACHA return code for a returned transaction. - `returned-message` string — The description of the return reason. - `ach-token` AchTokenResponse — Tokenized ACH account information. - `token-id` string — Unique identifier of the ACH token. - `times-used` integer — Number of times the token has been used in an ACH transaction. - `last-used` string — Date and time when the token was last used (UTC). - `merchant-id` string — The merchant's unique identification number associated with the token. - `routing-number` string — Bank routing number - `account-number` string — Masked or last four digits of the bank account number. - `account-type` 'Checking' | 'Savings' — Type of the bank account. Possible values: Checking, Savings. - `individual-name` string — Name associated with the bank account. - `token-description` string — A brief description of the ACH token. - `created` string — Date and time when the token was created (UTC). - `updated` string — Date and time when the token was last updated (UTC). - `customer-key` string — Unique customer key associated with the token. - `default` boolean — Indicates whether this token is the default for the card number. - `merchant-id` string — The merchant identifier associated with the token. - `terminal-id` string — Identifier of the terminal or API key used to create the transaction. - `software-type` string — Name of the software application that submitted the transaction. - `paya-authorization` string — Authorization reference returned by the Paya. - `processing-type` string — Processing type of the transaction. - `external-transaction-reference` string — Identifies the transaction reference provided by the requester and must be unique per requester. - `execution-date` string — Date when the ACH transaction is executed. - `token-id` string — Identifier for the ACH payment token. - `create-date` string — Date when the ACH transaction was created. - `micr-data` string — Contains the MICR data printed on the check. - `image-front-edoc-id` string — eDocs document ID for the front image of the check. - `image-back-edoc-id` string — eDocs document ID for the back image of the check. - `image-front` string — Check's front image as Base64. - `image-back` string — Check's back image as Base64. - `payloadType` string — Type of the payload returned in the response. ## Other responses - `401` — Unauthorized - `403` — Forbidden - `404` — Not Found --- [API](https://skmtc.net/xplorpay/apis/external-us-onboarding-workflow.md) · [All operations](https://skmtc.net/xplorpay/apis/external-us-onboarding-workflow/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/xplorpay/external-us-onboarding-workflow/revisions/f37077c24b66/schema)