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ACH Details Object

This object is used to describe the various details associated with processing an ACH transaction. If your Merchant is not applying to accept ACH transactions, none of the below fields are required.


ACH Auth Method

All auth method percentages must add up to 100%


Auth Method Conversion Percentage

Description

The percentage (estimated) of ACH transactions where an electronic version of a paper check and the process of converting transitional paper check into an electronic payment via a check reader.

JSON String

ach_details_auth_method_conversion_percentage

Type

Double

Required

Conditional

Comments

If merchant is accepting ACH Payments via Conversion then field is required.


Auth Method Online Percentage

Description

The percentage (estimated) of ACH transactions that are made online via a website payment page.

JSON String

ach_details_auth_method_online_percentage

Type

Double

Required

Conditional

Comments

If merchant is accepting ACH Payments via an online portal then field is required.


Auth Method Verbal Percentage

Description

The percentage (estimated) of ACH transactions that are made over the telephone (verbally).

JSON String

ach_details_auth_method_verbal_percentage

Type

Double

Required

Conditional

Comments

If merchant is accepting ACH Payments verbally over a telephone then field is required.


Auth Method Written-in-Person Percentage

Description

The percentage (estimated) of ACH transactions that are made on a written agreement that takes place in person.

JSON String

ach_details_auth_method_written_in_person_percentage

Type

Double

Required

Conditional

Comments

If merchant is accepting ACH Payments via a written in person agreement then field is required.


ACH Thresholds

The below fields will be used for the merchants ACH thresholds. If a merchant will be accepting ACH payments then all fields are required.


Average Monthly Amount

Description

The average (estimated) monthly dollar amount for ACH transactions.

JSON String

ach_details_average_monthly_amount

Type

Double

Required

Yes


Average Ticket Amount

Description

The average (estimated) single ticket dollar amount for an ACH transaction.

JSON String

ach_details_average_ticket_amount

Type

Double

Required

Yes


Max Monthly Amount

Description

The maximum (estimated) monthly dollar amount for ACH transactions.

JSON String

ach_details_max_monthly_amount

Type

Double

Required

Yes


Max Single Transaction Amount

Description

The maximum (estimated) monthly number of ACH transactions.

JSON String

ach_details_max_single_transaction_amo

Type

Double

Required

Yes


ACH Fees

The next fields describe various ACH fees.



Discount Rate

Description

A percentage rate charged to every ACH transaction.

JSON String

ach_details_discount_rate

Type

Double

Required

No


Monthly Fee

Description

A flat monthly service fee for ACH acceptance.

JSON String

ach_details_monthly_fee

Type

Double

Required

No


Monthly Minimum Fee

Description

A fee assessed for not meeting the monthly minimum transaction volume.

JSON String

ach_details_monthly_minimum_fee

Type

Double

Required

No


Return Fee

Description

Fee assessed for any ACH transaction that has been returned or received an exception.

JSON String

ach_details_return_fee

Type

Double

Required

Yes


Unauthorized Returns Fee

Description

Fee assessed for any ACH transaction that a customer disputes.

JSON String

ach_details_unauth_return

Type

Double

Required

Yes


Per Item Fee

Description

Fee assessed for any ACH transaction attempt.

JSON String

ach_details_transaction_fee

Type

Double

Required

Yes


ACH Company Name Descriptor

Description

A company name as it will appear on a consumer’s bank statements.

JSON String

ach_details_company_name_descriptor

Type

String

Required

Yes

Comments

Max Length 16 Characters.


Issue Credits

Description

Will the account issue ACH credits?

JSON String

ach_details_issue_credits

Type

Boolean

Required

Yes


Issue Debits

Description

Will the account issue ACH debits?

JSON String

ach_details_issue_debits

Type

Boolean

Required

Yes


Recurring Payments

Description

Will the account be utilizing recurring payments?

JSON String

ach_details_recurring

Type

Boolean

Required

Yes


Submission Methods

Description

The ways by which ACH transactions will be submitted.

JSON String

ach_details_submission_methods

Type

String. Static Variables below.

Required

Yes

Comments

Valid Values:

XS_SUBMISSION_METHOD_MANUALLY_VIA_VIRTUAL_TERMINAL = "Manually via Virtual Terminal";

XS_SUBMISSION_METHOD_VIA_A_GATEWAY = "Via a Gateway";

XS_SUBMISSION_METHOD_THROUGH_WEB_SERVICES = "Through Web Services";

XS_SUBMISSION_METHOD_BY_BATCH_SUBMISSION = "By Batch Submission";


Payment To/From

Description

Who will the Merchant conduct ACH transaction with, businesses and/or consumers ?

JSON String

ach_details_payment_to_from

Type

String. Static Variables below.

Required

Yes

Comments

Valid Values:

XS_PAYMENT_TO_FROM_CONSUMER_INDIVIDUALS = "Consumer / Individuals";

XS_PAYMENT_TO_FROM_BUSINESSES_ORGANIZATIONS = "Businesses / Organizations";


Merchant Reports

Description

Is the Merchant requesting daily ACH merchant reports.

JSON String

ach_details_merchant_reports

Type

Boolean

Required

Yes


Merchant Reporting Email

Description

The email address where the ACH daily reports will be sent.

JSON String

ach_details_merchant_rep_email

Type

String

Required

Conditional

Comments

Required if Merchant Reports = True



ACHDetails o_ach_details = new ACHDetails();
          o_ach_details.setAuthMethodOnlinePercentage( 50 );
          o_ach_details.setAuthMethodVerbalPercentage( 25 );
          o_ach_details.setAuthMethodWrittenInPersonPercentage( 25 );
          o_ach_details.setAverageMonthlyAmount( 100000 );
          o_ach_details.setAverageTicketAmount( 1000 );
          o_ach_details.setMaxMonthlyAmount( 200000 );
          o_ach_details.setMaxSingleTransactionAmount( 5000 );
          o_ach_details.setDiscountRate( 1.25 );
          o_ach_details.setMonthlyFee( 25 );
          o_ach_details.setReturnFee( 0.5 );
          o_ach_details.setCompanyNameDescriptor( "ACME Inc" );
          o_ach_details.setDecriptor( "ACME Inc Explosive Sale" );
          o_ach_details.setIssueCredits( true );
          o_ach_details.setIssueDebits( true );
          o_ach_details.setRecurring( true );
          o_ach_details.addSubmissionMethod( ACHDetails.XS_SUBMISSION_METHOD_MANUALLY_VIA_VIRTUAL_TERMINAL );
          o_ach_details.addSubmissionMethod( ACHDetails.XS_SUBMISSION_METHOD_VIA_A_GATEWAY );
          o_ach_details.addPaymentToFrom( ACHDetails.XS_PAYMENT_TO_FROM_CONSUMER_INDIVIDUALS );
          o_ach_details.setMerchantReports( true );
          o_ach_details.setMerchantRepEmail( "John.Doe@email.com" );
o_location.setAchDetails( o_ach_details );