Process ACH

In this service, there are no customizations since there are no screens associated with the payment process. The merchant must handle the service response and inform the result of the transaction to the client. The merchant must comply with regulations and data security standards establish by NACHA.

ACH Validation

As part of the security measures, the validation of bank account is a required process before processing an ACH transaction. This validation is through Plaid, a third-party service that allows the client to instantly connect their financial account through different options. For more information see ACH Services.

Sale

Parameter Description

The URLs of this service are the following:

• Development
  • https://uat.mmpay.evertecinc.com/WebPaymentAPI/WebPaymentAPI.svc/ProcessACH/
• Production
  • https://mmpay.evertecinc.com/WebPaymentAPI/WebPaymentAPI.svc/ProcessACH/

A JSON payload sample can be found here

Request Structure

Parameter	Type	Required	Description	Length
username	string	X	Merchant username provided by Evertec.	1-50
password	string	X	Merchant password provided by Evertec.	1-50
trxOper	string	X	Transaction operations:     Sale     Reverse	4-10
accountID	string	X	Account number for the client of the merchant.	1-50
customerName	string	X	Customer name for the client of the merchant.	1-100
customerEmail	string	X	Customer email for the client of the merchant.	1-100
address1	string		Client merchant address1.	0-100
address2	string		Client merchant address2.	0-100
city	string		Client merchant city.	0-100
state	string		Client merchant state.	0-100
zipcode	string	X	Client merchant zip code.	5
trxID	string	X	Merchant unique transaction value.	1-50
refNumber	string		Provided by authorized transaction. This field is required for refund or reverse transactions.	1-20
trxDescription	string	X	Merchant transaction description value.	1-50
trxAmount	string	X	Amount for the transaction. Format 0.00
trxTax1	string		Tax1 value for the transaction. Format 0.00
trxTax2	string		Tax2 value for the transaction. Format 0.00
bankAccount	string	X	Bank account number for the transaction.	1-17
routing	string	X	Routing number of the account's bank	9
accType	string	X	Account type.     W – Personal checking.     S – Personal Saving.     C – Commercial checking.	1
filler1	string		Use for general value.	0-50
filler2	string		Use for general value.	0-50
filler3	string		Use for general value.	0-50

Response Structure

Parameter	Type	Description
authNumber	string	Transaction authorization number.
batchNumber	string	Transaction batch number.
merchantid	string	Merchant number provided by Evertec.
rCode	string	Transaction response code. See Response Codes.
rMsg	string	Transaction response message.
refNumber	string	Transaction reference number.
requestID	string	Request ID for the transaction.
trxID	string	transaction ID.
trxOper	string	Transaction operation: SALE or REVERSE.
trxtype	string	Transaction type: ACH

Reverse

Parameter Description

The URLs of this service are the following:

• Development
  • https://uat.mmpay.evertecinc.com/WebPaymentAPI/WebPaymentAPI.svc/ProcessACH/
• Production
  • https://mmpay.evertecinc.com/WebPaymentAPI/WebPaymentAPI.svc/ProcessCredit/

A JSON payload sample can be found here

Request Structure

Parameter	Type	Required	Description	Length
username	string	X	Merchant username provided by Evertec.	1-50
password	string	X	Merchant password provided by Evertec.	1-50
trxOper	string	X	Transaction operations:     Sale     Reverse     Refund	4-10
accountID	string	X	Account number for the client of the merchant.	1-50
customerName	string	X	Customer name for the client of the merchant.	1-100
customerEmail	string	X	Customer email for the client of the merchant.	1-100
address1	string		Client merchant address1.	0-100
address2	string		Client merchant address2.	0-100
city	string		Client merchant city.	0-100
state	string		Client merchant state.	0-100
zipcode	string	X	Client merchant zip code.	5
trxID	string	X	Merchant unique transaction value.	1-50
refNumber	string	X	Provided by authorized transaction. This field is required for refund or reverse transactions.	1-20
trxDescription	string	X	Merchant transaction description value.	1-50
trxAmount	string	X	Amount for the transaction. Format 0.00
trxTax1	string		Tax1 value for the transaction. Format 0.00
trxTax2	string		Tax2 value for the transaction. Format 0.00
bankAccount	string	X	Bank account number for the transaction.	1-17
routing	string	X	Routing number of the account's bank	9
accType	string	X	Account type.     W – Personal checking.     S – Personal Saving.     C – Commercial checking.	1
filler1	string		Use for general value.	0-50
filler2	string		Use for general value.	0-50
filler3	string		Use for general value.	0-50

Response Structure

Parameter	Type	Description
authNumber	string	Transaction authorization number.
batchNumber	string	Transaction batch number.
merchantid	string	Merchant number provided by Evertec.
rCode	string	Transaction response code. See Response Codes.
rMsg	string	Transaction response message.
refNumber	string	Transaction reference number.
requestID	string	Request ID for the transaction.
trxID	string	transaction ID.
trxOper	string	Transaction operation: SALE or REVERSE.
trxtype	string	Transaction type: ACH

ACH Validation

The merchant must handle the response and implementation of the "Plaid Link" verification screen. This can be accessed through a URL and will be provided as part of the response message. The ACH validation response message will be through an ACH sale using ProcessACH.

Response Structure

Parameter	Type	Description
rCode	string	Transaction response code. See Response Codes.
rMsg	string	"Plaid Link" URL.

Response Codes

rCode	rMsg
6000	Plaid Link URL successfully created
6001	Insufficient Funds Available
6002	Decline - Back account pre-verification could not be completed
6003	Decline - Bank account information is invalid
6004	The financial institution indicated that the user's password or MFA information has changed. The client have to validate through the Plaid Link again. new

User status on Plaid Link  new

This allows to know if the client finished the validation flow through the Plaid link correctly, the merchant must create a listener process in the JavaScript file. This response does not indicate the validation status of the client through Plain Link. This is just information to indicate if the user's interaction with the plaid screens ended successfully or was closed by the user or by some response error from Plaid.

Object emitted if the user closes the Plaid Link window or if the flow terminates successfully. This will be of type String, which should be cast to JSON.

Example:

{
    "finishedProcess": true,
    "ClosedByuser": false
}

Event response:

FinishedProcess	ClosedByUser	Meaning
True	False	Successful process.
True	True	Canceled by user.
True	False	Plaid process error.