Low Value & ACH Direct Debits

Overview

The Low Value & ACH Direct Debits API allows for the initiation of low value and ACH payments in a lightweight yet robust way.  A POST request communicates the payment details, and the synchronous ACK/NACK responds with real-time information to communicate initial processing status.

Low value & ACH payments can be issued via API to the following regions:

• United States and Canada
• Europe, Middle East, Africa
• Asia Pacific

Supported transactions

This API only supports U.S. ACH reversals.

To reverse a U.S. ACH Debit, you must initiate a U.S. ACH Credit with the following requirements:

• Add value "REVERSAL" within paymentTypeInformation.categoryPurpose.roprietary with the same endToEndId of the payment you want to reverse. 
  
• An original transaction was already submitted via API with the same endToEndId of the reversal being requested.
• Original transaction is not in a status of PENDING, REJECTED, or RETURNED.
• Reversal must be the opposite transaction type of the original transaction.
• A reversal request was not previously submitted
• The requestedExecutionDate of the reversal must be within five banking days of the original payment.
• All information besides requestedExecutionDate in the reversal payment instruction must be the same as the original payment (opposite transaction type).

Callbacks

• In a callback message, updates for multiple payments can be included, with a maximum of 50 payments in one callback message. However,  a single callback message will only contain updates for credits OR debits, not both. Additionally, it is possible for a callback message to include ACH transactions from different regions..
• When J.P. Morgan sends a callback message, they will wait for up to 3 seconds to receive a 200 OK response. If no response is received, the callback mechanism will retry with an exponential gap of 10*3^x seconds, i.e., 10 seconds, 30 seconds, 90 seconds, 270 seconds, 810 seconds, etc. 

Holidays/ weekends

ACH transaction processing on holidays and weekends is dependent on the account's configuration, or how it is set up.

• If the account is configured for revaluation, the value date is automatically updated.
• If the account is not configured for revaluation, the system rejects the transaction if it falls on a weekend or holiday.

Next Steps