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

# Initiate an ACH payment

In this tutorial, you learn how to initiate an ACH payment. 

## Before you begin

To initiate an ACH payment, you need the following: 

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

- An active project that provides you with the credentials to initiate a payment.

- A bank account in the country from which you want to initiate a payment.

## Send a request

From your command line, send a `POST` request to the `/payments` endpoint.  

For example, the following code snippet contains a cURL command that initiates an ACH credit payment in the United States. It also contains the command's payload formatted in JSON so that it's easier to see.

```curl
curl --request POST \
  --url https://api-mock.payments.jpmorgan.com/payment/v2/payments \
  --header 'Accept: application/json' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: 1b036f9c-8c84-4ce6-b1dd-5979472945a1' \
  --header 'Request-Id: 1a2b3c4d-5e6f-7g8h-9i0j-1k2l3m4n5o6p' \
  --data '{
  "requestedExecutionDate": "2024-10-01",
  "paymentIdentifiers": {
    "endToEndId": "E2E3000112CCDXX"
  },
  "value": {
    "currency": "USD",
    "amount": "101.50"
  },
  "transferType": "CREDIT",
  "paymentType": "ACH",
  "paymentTypeInformation": {
    "serviceLevelCode": "NURG",
    "localInstrumentCode": {
      "code": "CCD"
    }
  },
  "debtor": {
    "name": "Comrade Musics",
    "account": {
      "accountNumber": "12311871",
      "accountCurrency": "USD"
    },
    "postalAddress": {
      "country": "US"
    },
    "partyId": {
      "organizationIds": [
        {
          "organizationId": "4192662001",
          "schemeName": {
            "proprietary": "JPMCOID"
          }
        }
      ]
    }
  },
  "debtorAgent": {
    "financialInstitutionIds": [
      {
        "id": "021000021",
        "idType": "USABA"
      }
    ],
    "postalAddress": {
      "country": "US"
    }
  },
  "creditorAgent": {
    "financialInstitutionIds": [
      {
        "id": "021000021",
        "idType": "USABA"
      }
    ],
    "postalAddress": {
      "country": "US"
    }
  },
  "creditor": {
    "name": "Kelly Thomas",
    "account": {
      "accountNumber": "87654321"
    },
    "postalAddress": {
      "country": "US"
    }
  },
  "paymentPurpose": {
    "categoryPurpose": {
      "proprietary": "PAYROLL"
    }
  }
}'
```

```json
{
  "requestedExecutionDate": "2024-10-01",
  "paymentIdentifiers": {
    "endToEndId": "E2E3000112CCDXX"
  },
  "value": {
    "currency": "USD",
    "amount": "101.50"
  },
  "transferType": "CREDIT",
  "paymentType": "ACH",
  "paymentTypeInformation": {
    "serviceLevelCode": "NURG",
    "localInstrumentCode": {
      "code": "CCD"
    }
  },
  "debtor": {
    "name": "John Doe",
    "account": {
      "accountNumber": "123456789",
      "accountCurrency": "USD"
    },
    "postalAddress": {
      "country": "US"
    },
    "partyId": {
      "organizationIds": [
        {
          "organizationId": "1234567000",
          "schemeName": {
            "proprietary": "JPMCOID"
          }
        }
      ]
    }
  },
  "debtorAgent": {
    "financialInstitutionIds": [
      {
        "id": "021000021",
        "idType": "USABA"
      }
    ],
    "postalAddress": {
      "country": "US"
    }
  },
  "creditorAgent": {
    "financialInstitutionIds": [
      {
        "id": "021000021",
        "idType": "USABA"
      }
    ],
    "postalAddress": {
      "country": "US"
    }
  },
  "creditor": {
    "name": "Jane Doe",
    "account": {
      "accountNumber": "98765432"
    },
    "postalAddress": {
      "country": "US"
    }
  },
  "paymentPurpose": {
    "categoryPurpose": {
      "proprietary": "PAYROLL"
    }
  }
}
```

## Confirm the response

Confirm that you receive a response that contains an `endToEndId` and a `paymentId`. You can use these values later to get the status and details of an ACH payment. 

For example, the following code snippet contains a response to the previous cURL command to initiate an ACH credit payment in the United States. It's formatted in JSON so that it's easier to see.

```json
{
  "paymentId": "ce8857f6-dc82-420d-84dc-63489476cb13",
  "paymentStatus": "ACCEPTED",
  "paymentSubStatus": "ACCEPTED",
  "statusUpdatedAt": "2024-10-30T14:15:22Z",
  "requestedExecutionDate": "2024-10-30",
  "paymentIdentifiers": {
    "endToEndId": "PACS008EGYPT_12"
  },
  "transferType": "CREDIT",
  "paymentType": "ACH"
}
```

## Related

- For more information about ACH credit payment parameters, see [Payment parameters (credit)](/docs/treasury/global-payments/capabilities/global-payments-2/ach/payment-parameters-credit).

- For more information about ACH debit payment parameters, see [Payment parameters (debit)](/docs/treasury/global-payments/capabilities/global-payments-2/ach/payment-parameters-debit).

- For more information about status responses and error codes supported by the Global Payments API, see [Global Payments 2 status response and error response codes](/api/treasury/global-payments/global-payments-2/error-codes).

## Next steps

Learn how to [get the status of an ACH payment request](/docs/treasury/global-payments/capabilities/global-payments-2/ach/how-to/get-ach-request-status).