Low Value and 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 and ACH payments can be issued via API to the following regions:

• United States and Canada (NA)
• Europe, Middle East, and Africa (EMEA)
• Asia Pacific (APAC)

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.proprietary 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 three 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 and 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