# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com # Payment parameters (debit) > These payment parameters are subject to change as we test the beta release of Global Payments 2 API. > This page provides information about the required fields to initiate an ACH debit payment. You must include all required fields to initiate a successful payment. > This page serves as an overview of required fields. For all available fields, including conditional and optional fields, see the [API specification](/api/treasury/global-payments/global-payments-2/global-payments-2). > ## Requirements by country This section provides the required fields for ACH debit payments by region and country. Review the required fields for the applicable region or country prior to coding. ### North America (NA) This section contains the required payment parameters to initiate an ACH debit payment in the NA region. #### United States The following table contains the required payment parameters to initiate an ACH debit payment in the United States: **Required payment parameters to initiate an ACH debit payment in the United States** | Field | Description | Minimum | Maximum | Notes | | --- | --- | --- | --- | --- | | requestedExecutionDate | The requested execution date. | 10 | 10 | - Must be formatted as YYYY-MM-DD. - Can be up to 7 business days or 9 calendar days in the past, or 90 calendar days in the future. | | paymentIdentifiers.endToEndId | The payment's unique end-to-end ID that's assigned by the originator. | 1 | 15 | - Must only contain letters and numbers. - Must be unique for each transaction during the last 60 days. - Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with a payment. | | value.currency | The value’s currency. | 3 | 3 | Must be USD. | | value.amount | The value’s amount. | 1 | 11 | Must be less than or equal to 1000000 for same-business-day payments, or 99999999.99 for next- and second-business-day payments. | | transferType | The transfer type. | 6 | 6 | Must be DEBIT. | | paymentType | The payment type. | 3 | 3 | Must be ACH. | | paymentTypeInformation.serviceLevelCode | The payment’s service-level code. | 4 | 4 | Must be NURG. | | paymentTypeInformation.localInstrumentCode.code | The payment’s local instrument code. | 3 | 3 | - For day 1, must be CCD, PPD, WEB, or TEL. - For International ACH Transactions (IAT), must be IAT. | | debtor.account.accountNumber | The debtor’s account number. | 1 | - 17 for non-IAT - 35 for IAT | | | debtor.account.accountType | The debtor's account type. | 4 | 4 | - Can be CACC or SVGS. - Defaults to CACC. | | debtor.account.accountCurrency | The debtor’s account currency. | 3 | 3 | Must be USD. | | debtor.name | The debtor’s name. | 1 | - 22 for non-IAT - 35 for IAT | | | debtor.postalAddress.addressLines | The debtor's unstructured address. | 1 | 35 | - For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the unstructured address are sent to clearing. | | debtor.postalAddress.buildingNumber | The debtor's building number. | 1 | 35 | - For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | | debtor.postalAddress.streetName | The debtor’s street name. | 1 | 35 | - For IAT, must provide debtor.postalAddress.addressLines for unstructured addresses or debtor.postalAddress.buildingNumber and debtor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | | debtor.postalAddress.city | The debtor’s city. | 1 | 35 | - Required for IAT. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | | debtor.postalAddress.postalCode | The debtor’s postal code. | 1 | 33 | - Required for IAT. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | | debtor.postalAddress.countrySubDivision | The debtor’s country subdivision. | 1 | 35 | - Required for IAT - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | | debtor.postalAddress.country | The debtor’s country. | 2 | 2 | Only the first 35 characters of the combined postal and country codes are sent to clearing. | | debtorAgent.financialInstitutionIds[].id | The debtor agent’s financial institution ID. | 9 | 9 | - Must be a United States ABA number. - May contain leading zeroes. - For example: 021000021 | | debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 5 | 6 | Must be USABA. | | debtorAgent.postalAddress.country | The debtor agent’s country. | 2 | 2 | Must be a two-letter country code. | | creditor.account.accountNumber | The creditor’s account number. | 17 | 35 | | | creditor.account.accountCurrency | The creditor’s account currency. | 3 | 3 | Must be USD. | | creditor.account.companyId | The creditor’s company ID. | 10 | 10 | May include leading spaces, leading zeroes, or both. | | creditor.name | The creditor’s name. | 1 | - 15 for CIE - 22 for non-IAT - 35 for IAT | | | creditor.postalAddress.addressLines | The creditor's unstructured address. | 1 | 35 | - For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the unstructured address are sent to clearing. | | creditor.postalAddress.buildingNumber | The creditor's building number. | 1 | 35 | - For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | | creditor.postalAddress.streetName | The creditor's street name. | 1 | 35 | - For IAT, must provide creditor.postalAddress.addressLines for unstructured addresses or creditor.postalAddress.buildingNumber and creditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | | creditor.postalAddress.city | The creditor's city. | 1 | 35 | - Required for IAT. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | | creditor.postalAddress.postalCode | The creditor's postal code. | 1 | 33 | - Required for IAT. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | | creditor.postalAddress.countrySubDivision | The creditor's country subdivision. | 1 | 35 | - Required for IAT - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | | creditor.postalAddress.country | The creditor's country. | 2 | 2 | - Must be a two-letter country code. - For IAT, only the first 35 characters of the combined postal and country codes are sent to clearing. | | creditorAgent.name | The creditor agent’s name. | 1 | 35 | Required for IAT. | | creditorAgent.financialInstitutionIds[].id | The creditor agent’s financial institution ID. | 9 | 9 | - Must be a United States ABA number. - May contain leading zeroes. - For example: 021000021 | | creditorAgent.financialInstitutionIds[].idType | The financial institution ID type. | 5 | 5 | Must be USABA. | | creditoragent.postalAddress.country | The creditor agent’s country. | 2 | 2 | Must be a two-letter country code. | | additionalParties.ultimateCreditor.name | The ultimate creditor's name. | 1 | - 15 for CIE - 22 for non-IAT - 35 for IAT | Required if different from creditor's details. | | additionalParties.ultimateCreditor.postalAddress.addressLines | The ultimate creditor's unstructured address. | 1 | 35 | - For IAT, must provide additionalParties.ultimateCreditor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateCreditor.postalAddress.buildingNumber and additionalParties.ultimateCreditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the unstructured address are sent to clearing. | | additionalParties.ultimateCreditor.postalAddress.buildingNumber | The ultimate creditor's building number. | 1 | 35 | - For IAT, must provide additionalParties.ultimateCreditor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateCreditor.postalAddress.buildingNumber and additionalParties.ultimateCreditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | | additionalParties.ultimateCreditor.postalAddress.streetName | The ultimate creditor's street name. | 1 | 35 | - For IAT, must provide additionalParties.ultimateCreditor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateCreditor.postalAddress.buildingNumber and additionalParties.ultimateCreditor.postalAddress.streetName for structured addresses. - Only the first 35 characters of the combined building number and street name are sent to clearing. | | additionalParties.ultimateCreditor.postalAddress.city | The ultimate creditor's city. | 1 | 35 | - For IAT, required if different from creditor's details. - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | | additionalParties.ultimateCreditor.postalAddress.postalCode | The ultimate creditor's postal code. | 1 | 33 | - For IAT, required if different from creditor's details. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | | additionalParties.ultimateCreditor.postalAddress.countrySubDivision | The ultimate creditor's country subdivision. | 1 | 35 | - For IAT, required if different from creditor's details - Only the first 35 characters of the combined city and country subdivision are sent to clearing. | | additionalParties.ultimateCreditor.postalAddress.country | The ultimate creditor's country. | 2 | 2 | - For IAT, if different from creditor's details, must be a two-letter country code. - Only the first 35 characters of the combined postal and country codes are sent to clearing. | | paymentPurpose.categoryPurpose.proprietary | The scheme type’s proprietary code. | 1 | 10 | Must be free form or one of the following: - ACCTVERIFY for micro entries - HCCLAIMPMT for health care claim payments - PAYROLL for payroll payments - PURCHASE for purchases - RECCLAIM for reclamations - RETRY PMT for redepositing returned debits due to insufficient funds - REVERSAL for reversal of incorrectly originated payments | The following table contains an optional payment parameter that's often used to initiate an ACH debit payment in the United States: **Optional payment parameter to initiate an ACH debit payment in the United States** | Field | Description | Minimum | Maximum | Notes | | --- | --- | --- | --- | --- | | remittanceInformation.unstructuredInformation.text | The payment's remittance information. | 1 | - For CIE, CPD, and non-IAT, 1 line of up to 80 characters - For IAT, 2 lines of up to 80 characters each | Must be in ANSI ASC X12 format. | ## Related - For more information about ACH, see [Overview](/docs/treasury/global-payments/capabilities/global-payments-2/ach/index). - For conditional and optional ACH payment parameters, see the [API specification](/api/treasury/global-payments/global-payments-2/global-payments-2). ## Next steps Learn about the [supported values and resources](/docs/treasury/global-payments/capabilities/global-payments-2/ach/resources) for ACH payment parameters.