Initiate an ACH payment request
In this tutorial, you will 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 will know how to:
- Create an ACH Chile request payload.
- Interpret a successful response.
Before you begin
To use ACH, you will need the following:
- A registered and fully onboarded 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 RUT (Local Tax ID).
- The payment purpose code.
- 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
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.
Beneficiary payments
Use ACH to pay beneficiaries in Chile. The following example shows the minimum required fields for a beneficiary ACH payment:
{
"payments": {
"paymentIdentifiers": {
"endToEndId": "XR20210920CS1131416"
},
"requestedExecutionDate": "2022-12-01",
"transferType": "CREDIT",
"paymentCurrency": "CLP",
"paymentAmount": 300,
"debtor": {
"debtorAccount": {
"accountId": "2600023565",
"accountCurrency": "CLP"
},
"debtorName": "Lucha Gonzalez"
},
"debtorAgent": {
"financialInstitutionId": {
"bic": "CHASCLRM"
}
},
"creditorAgent": {
"financialInstitutionId": {
"bic": "BCHICLRM",
"clearingSystemId": {
"id": "114740179",
"branchNumber": "0001"
}
}
},
"creditor": {
"creditorName": "Marina Simeone",
"creditorAccount": {
"accountId": "101000974",
"accountType": "SVGS"
},
"postalAddress": {
"country": "CL"
}
},
"paymentType": "ACH.TRF",
"purpose": {
"code": "0010130000",
"type": "PROPRIETARY"
},
"taxInformation": {
"creditorTaxInformation": {
"taxId": "06703922-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.
{
"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 and provides additional detail through the error response payload. For more information, see Error Codes.
Next steps
- Learn how to retrieve the status of your ACH request.
- Understand the required payment parameters for your region.