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

# Initiate an ACH payment request

In this tutorial, you'll learn how to use the Global Payments API to initiate an ACH request for several common use cases.

By the end of this tutorial, you'll know how to:

- Create an ACH Chile request payload.

- Interpret a successful response.

## Before you begin

To use ACH, you'll need the following:

- A [registered and fully onboarded](/docs/quick-start) Developer Account on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials used to make a request.

- A CLP bank account configured for Chile to perform an ACH transaction.

- The beneficiary Rol Único Tributario (RUT).

- The payment purpose code.

> Some purpose codes are only applicable to certain company or individual RUTs as beneficiary. A rejection is generated in the case of a purpose code and Tax ID mismatch. For more information about purpose codes, see [Purpose codes](/docs/treasury/global-payments/capabilities/global-payments/ach/resources#purpose-codes).
> 

- The beneficiary bank local clearing code

- The account type:
  - DDA
  - Savings account
  - Basic account (Cuenta RUT, Cuenta Vista)

- Currency:
  - Chilean Peso (CLP) only

- The amount

> You can’t use decimals for CLP.
> 

## Create and send an ACH request

In this step, you’ll learn how to create and send ACH Chile requests for different types of beneficiaries.

> The Global Payments API has different [required payment parameters](/docs/treasury/global-payments/capabilities/global-payments/ach/payment-parameters) depending on the region. The below examples show the minimum required fields for the Chilean market.
> 

### Beneficiary payments

Use ACH to pay beneficiaries in Chile. The following example shows the minimum required fields for a beneficiary ACH payment:

```json
{
  "payments": {
    "paymentIdentifiers": {
      "endToEndId": "XR20210920CS1131416"
    },
    "requestedExecutionDate": "2022-12-01",
    "transferType": "CREDIT",
    "paymentCurrency": "CLP",
    "paymentAmount": 300,
    "debtor": {
      "debtorAccount": {
        "accountId": "2600023565",
        "accountCurrency": "CLP"
      },
      "debtorName": "John Doe"
    },
    "debtorAgent": {
      "financialInstitutionId": {
        "bic": "CHASCLRM"
      }
    },
    "creditorAgent": {
      "financialInstitutionId": {
        "bic": "BCHICLRM",
        "clearingSystemId": {
          "id": "114740179",
          "branchNumber": "0001"
        }
      }
    },
    "creditor": {
      "creditorName": "Jane Smith",
      "creditorAccount": {
        "accountId": "101000974",
        "accountType": "SVGS"
      },
      "postalAddress": {
        "country": "CL"
      }
    },
    "paymentType": "ACH.TRF",
    "purpose": {
      "code": "0010130000",
      "type": "PROPRIETARY"
    },
    "taxInformation": {
      "creditorTaxInformation": {
        "taxId": "12345678-K",
        "taxpayerCategory": "INDIVIDUAL"
      }
    }
  }
}
```

## Confirm response

For all use cases, you should receive a successful response containing a `firmRootId` and an `endToEndId`. These values can be used to retrieve the status or payment details of your request.

```json
{
  "paymentInitiationResponse": {
    "endToEndId": "XR20210920CS1131416",
    "firmRootId": "xatv-12522a-cqvf-225"
  }
}
```

There are a number of error messages that you may receive when submitting your payment request. The Global Payments API uses standard [HTTP response codes](/api/response-codes) and provides additional detail through the error response payload. For more information, see [Error Codes](/api/treasury/global-payments/global-payments/error-codes).

## Next steps

- Learn how to [retrieve the status](/docs/treasury/global-payments/capabilities/global-payments/ach/how-to/get-ach-request-status) of your ACH request.

- Understand the required [payment parameters](/docs/treasury/global-payments/capabilities/global-payments/ach/payment-parameters) for your region.