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Note

CBPR+ fields are available in mock responses for select endpoints. Preview supported scenarios in the API specification for Global Payments 2. Learn more in our blog.

Payment parameters (credit)

This page provides information about the required fields to initiate an ACH credit payment. You must include all required fields to initiate a successful payment.

Tip

This page serves as an overview of required fields. For all available fields, including conditional and optional fields, see the API specification.

Requirements by country

This section provides the required fields for ACH credit payments by region and country. Review the required fields for the applicable region or country prior to coding.

Latin America (LATAM)

This section contains the required payment parameters to initiate an ACH credit payment in the LATAM region. 

Chile

The following table contains the required payment parameters to initiate an ACH credit payment in Chile: 

Required payment parameters to initiate an ACH credit payment in Chile
Field Description Minimum  Maximum Notes
requestedExecutionDate The requested execution date. 10 10 Must be formatted as YYYY-MM-DD.
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 in the file. 
  • Recommended 15-character limit due to restrictions across global clearing channels and market infrastructure regarding the length of the ID that can travel with your payment. 
value.currency The value’s currency. 3 3 Must be CLP. 
value.amount The value’s amount. 1 10 Must be less than or equal to 9999999999. No decimals supported for CLP
transferType The transfer type. 6 6 Must be CREDIT.
paymentType The payment type. 3 3 Must be ACH.
paymentTypeInformation.serviceLevelCode The payment’s service-level code.  4 4 Must be NURG.
debtor.account.accountNumber The debtor’s account number. 1 17  
debtor.account.accountCurrency The debtor’s account currency.  3 3 For supported values, see Currency codes.
debtor.name The debtor’s name. 1 140  
debtorAgent.financialInstitutionIds[].id The debtor agent's financial institution ID.   35 Must be CHASCLRM.
debtorAgent.financialInstitutionIds[].idType  The debtor agent's financial instiution ID type. 3 18
  • Required if debtorAgent.financialInstitutionIds[].id is provided.
  • Must be BIC.
creditor.account.accountNumber The creditor’s account number.  1 17  
creditor.account.accountType The creditor’s account type.  4  5 Must be SVGS, CACC, or OTHER.
creditor.name The creditor’s name. 1 70   
creditorAgent.financialInstitutionIds[].id The creditor agent’s financial institution ID.  4 4  
creditorAgent.financialInstitutionIds[].idType The creditor agent's financial institution ID type.  3 18
  • Required if financial institution ID is provided. 
  • Must be  CLEARING_SYSTEM_ID. 
paymentPurpose.purpose.proprietary Purpose of the payment in proprietary form. 10 10 See purpose codes table.
taxInformation.creditorTaxInformation.taxId The creditor’s tax ID.  1  35   
taxInformation.creditorTaxInformation.taxPayerCategory The creditor’s taxpayer category.  1  15   

North America (NA)

This section contains the required payment parameters to initiate an ACH credit payment in the NA region. 

United States

The following table contains the required payment parameters to initiate an ACH credit payment in the United States: 

Required payment parameters to initiate an ACH credit 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. 
  • The decimal counts as a character.
transferType The transfer type.  6  6  Must be CREDIT. 
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, CIE, PPD, or WEB.
  • 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.companyId The debtor’s company ID.  10  10  Might include leading spaces, leading zeroes, or both. 

debtor.name

 The debtor’s name. 

1 
  • 16 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 
 
  • Must be a two-letter country code.
  • Only the first 35 characters of the combined postal and country codes are sent to clearing.
debtorAgent.name The debtor agent’s name. 1 35  Required for IAT. 
debtorAgent.financialInstitutionIds[].id The debtor agent’s financial institution ID.  9  9 
  • Must be a J.P. Morgan ABA number.
  • Might contain leading zeroes.
  • For example: 021000021
debtorAgent.financialInstitutionIds[].idType The debtor agent’s financial institution ID type.  5  5 Must be USABA. 
debtorAgent.postalAddress.country The debtor agent’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.
creditor.account.accountNumber The creditor’s account number.  1
  • 17 for non-IAT
  • 35 for IAT
  
creditor.account.accountType The creditor's account type. 4 4
  • Can be CACC or SVGS.
  • Defaults to CACC.

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 

Might contain leading zeroes. 

creditorAgent.financialInstitutionIds[].idType

The creditor agent's 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.ultimateDebtor.name The ultimate debtor's name. 1
  • 15 for CIE
  • 22 for non-IAT
  • 35 for IAT
 Required if different from debtor's details.
additionalParties.ultimateDebtor.postalAddress.addressLines The ultimate debtor's unstructured address. 1 35
  • For IAT, if different from debtor's details, must provide additionalParties.ultimateDebtor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateDebtor.postalAddress.buildingNumber and additionalParties.ultimateDebtor.postalAddress.streetName for structured addresses.
  • Only the first 35 characters of the unstructured address are sent to clearing.
additionalParties.ultimateDebtor.postalAddress.buildingNumber The ultimate debtor's building number. 1 35
  • For IAT, if different from debtor's details, must provide additionalParties.ultimateDebtor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateDebtor.postalAddress.buildingNumber and additionalParties.ultimateDebtor.postalAddress.streetName for structured addresses.
  • Only the first 35 characters of the combined building number and street name are sent to clearing.

additionalParties.ultimateDebtor.postalAddress.streetName

The ultimate debtor’s street name. 

1 

35 
  • For IAT, if different from debtor's details, must provide additionalParties.ultimateDebtor.postalAddress.addressLines for unstructured addresses or additionalParties.ultimateDebtor.postalAddress.buildingNumber and additionalParties.ultimateDebtor.postalAddress.streetName for structured addresses.
  • Only the first 35 characters of the combined building number and street name are sent to clearing.
additionalParties.ultimateDebtor.postalAddress.city The ultimate debtor’s city.  1  35 
  • For IAT, required if different from debtor's details.
  • Only the first 35 characters of the combined city and country subdivision are sent to clearing.
additionalParties.ultimateDebtor.postalAddress.postalCode The ultimate debtor’s postal code.  1  33
  • For IAT, required if different from debtor's details. 
  • Only the first 35 characters of the combined postal and country codes are sent to clearing.
additionalParties.ultimateDebtor.postalAddress.countrySubDivision The ultimate debtor’s country subdivision.  1 35
  • For IAT, required if different from debtor's details.
  • Only the first 35 characters of the combined city and country subdivision are sent to clearing.
additionalParties.ultimateDebtor.postalAddress.country The ultimate debtor’s country.  2  2 
  • For IAT, if different from debtor'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
  • RECLAIM 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 credit payment in the United States: 

Optional payment parameter to initiate an ACH credit 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.
  • For more information about ACH, see Overview. 
  • For conditional and optional ACH payment parameters, see the API specification.

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