Creating an ACH Transaction Token

Clearent allows you to initiate a request through the ACH Transaction API to create a token. This token includes essential details such as the payer's bank account information, the transaction amount, and any relevant metadata. Clearent generates a unique token that securely represents the data, allowing for the processing of an ACH transaction without storing sensitive information. Clearent processes ACH transactions in adherence to security and compliance with industry standards.

To create an ACH transaction token using Clearent’s Hosted Payment Page, Paylink, Virtual Terminal, and JavaScript SDK integrations:

1

Use the POST method for /rest/v2/ach/token endpoint. Refer to the following sample code for the request:

{ 
 "account-number": "123456789", 
 "account-type": "Checking", 
 "individual-name": "John Doe", 
 "routing-number": "081009813", 
 "software-type": "MySoftware", 
 "software-type-version": "v1.0", 
 "token-description": "Business checking account" 
}

2

The ach-vault validates a request token.

Note: The ach-vault returns a 401-error code when a token fails to authenticate.

3

The ach-vault validates a payload.

Note: The ach-vault returns a 400-error code when a payload fails to authenticate.

4

The ach-vault calls to the HSM to create an ACH transaction token after successful validation.

Note: An ACH transaction token has an ach_ prefix and a 12 to 19-digit number starting with 11.

5

The ach-vault returns a 200-status code with the response, including an ACH transaction token. Refer to the following sample code for the response:

{ 
 "ach-token": 
  { 
   "account-number": "1111", 
   "account-type": "Checking", 
   "created": "1100000000000000", 
   "individual-name": "John Doe", 
   "last-used": "1100000000000000", 
   "merchant-id": "000008888", 
   "routing-number": "081009813", 
   "times-used": 14, 
   "token-description": "Travel checking account", 
   "token-id": "1100000000000000", 
   "updated": "1100000000000000" 
  }, 
 "payloadType": "string" 
}

6

The ach-vault stores the plaintext payload.

Note: The ach-vault returns a 500-error code when it fails to create an ACH transaction token.