# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Make a payout

## Overview

Once you have set your client up as a **Recipient**, you can use the `/v2/transactions` resource to make ACH payments from your Embedded Banking account, into your client's chosen bank account.

Use `POST /v2/transactions` to create a payment request.

To make the payment, you need to include the following::

- Your client's recipientId, which represents your client's external bank account.

- Your account  debtorAccountId. You can get this using a GET /accounts request.

- The transaction type - use ACH, RTP (Real Time Payments), or WIRE.

- The amount to be paid.

- The currency - always "USD".

- A  transactionReferenceID- your reference number for this transaction. It must be unique for every payment.

Sample `POST /v2/transactions` request:

```json
{
  "transactionReferenceId": "2hjsa998931301jkj",
  "amount": 20.88,
  "currency": "USD",
  "type": "ACH",
  "debtorAccountId": "dc2eda9084bf40b7a1d8baa8c5e0ea0ax",
  "recipientId": "828be449-8507-4a5e-ad3f-62202af0f2b3",
  "memo": "Invoice 1234"
}
```

Sample response:

```json
{
  "id": "3ZJUCLKH3c1sIWk",
  "transactionReferenceId": "2hjsa998931301jkj",
  "originatingId": null,
  "status": "PENDING",
  "type": "ACH",
  "originatingTransactionType": null,
  "ledgerBalance": 10.00,
  "debtorClientId": "0030000132",
  "debtorAccountId": "dc2eda9084bf40b7a1d8baa8c5e0ea0ax",
  "debtorAccountNumber": "...8882",
  "debtorName": "CntrlPrk",
  "creditorClientId": null,
  "creditorAccountId": null,
  "creditorAccountNumber": "...0521",
  "creditorName": "Philip Banks",
  "recipientId": "828be449-8507-4a5e-ad3f-62202af0f2b3",
  "amount": 20.88,
  "currency": "USD",
  "paymentDate": "2024-04-23",
  "createdAt": "2024-04-23T10:40:41.007Z",
  "effectiveDate": null,
  "postingVersion": null
}
```

## Get your account details

You can get your `debtorAccountId` with a request to `GET /accounts`.

In the response you can see the field `id` which must be used for `debtorAccountId` when making a payout:

```json
{
    "metadata": {
    "page": 0,
    "limit": 25,
    "total_items": 1
    },
    "items": [
      {
        "id": "dc2eda9084bf40b7a1d8baa8c5e0ea0ax",
        "clientId": "0030000132",
        "label": "MAIN",
        "state": "OPEN",
        "paymentRoutingInformation": {
            "accountNumber": "20000113278882",
            "country": "US",
            "routingInformation": [
                {
                "type": "ABA",
                "value": "021000021"
                }
              ]
          },
        "createdAt": "2023-02-20T16:09:53.397Z",
        "category": "CLIENT_DDA"
      }
    ]
}
```

## Reference

The following fields are used when making a payment in the Transactions resource.

 
**Transactions resource query parameters:**

| Query parameter | Description | Format | Example | 
| --- | --- | --- | --- | 
| type | Type of transaction - Only ACH is currently supported. | "ACH" | ACH | 
| status | Defines transaction status. | Enum: "PENDING" / "CANCELED" / "COMPLETED" / "COMPLETED_WITH_EXCEPTIONS" / "REJECTED" / "RETURNED" / "PARTIALLY_COMPLETED" / "UNDEFINED" | PENDING | 
| transactionReferenceID | Transaction reference ID provided by client. | <=35 characters | hisSuUVnakPD9qSA | 
| debtorAccountID | ID of the account to make the payment from. | <=35 characters | dc2eda9084bf40b7a1d8baa8c5e0ea0ax | 
| amount | Transaction value in the given currency. | >=0.01 | 3100 | 
| currency | Transaction currency. | "USD" | USD | 
| memo | Optional message to accompany the transaction. | <=140 characters | Memo for Transaction for 1000010400 | 
| recipientId | The recipient ID of the party you are paying. |  | a8eb71c9-7bbb-41f2-8d9e-b0f5 |