ACH Direct Debit

ACH (Automated Clearing House) is an electronic network that processes bank-to-bank payments in batches. ACH Direct Debit enables you to withdraw funds directly from a customer's US bank account using their account and routing numbers, with transactions settling within 3-5 business days.

Integration Steps

Follow the steps below to integrate Razorpay S2S JSON API and accept payments using ACH.

1.1

Create an Order

1.2

Create a Payment

1.3

Handle Payment Success and Error Events

1.4

Integrate Payments Rainy Day Kit

1.5

Fetch Payment Details and Verify Payment Status

1.1 Create an Order

To process a payment, create a Razorpay Order to correspond with the order in your system. Send the order request parameters to the following endpoint:

Order is an important step in the payment process.

An order should be created for every payment.
You can create an order using the
Orders API
. It is a server-side API call. Know how to
authenticate
Orders API.
The order_id received in the response should be passed to the checkout. This ties the order with the payment and secures the request from being tampered.

Watch Out!

Payments made without an order_id cannot be captured and will be automatically refunded. You must create an order before initiating payments to ensure proper payment processing.

API Sample Code

Use this endpoint to create an order using the Orders API.

POST

/orders

curl -X POST https://api.razorpay.com/v1/orders
-U [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type:application/json'
-d '{
   "amount": 100,
   "currency": "MYR",
   "receipt": "qwsaq1",
   "partial_payment": true,
   "first_payment_min_amount": 230,
   "notes": {
     "key1": "value3",
     "key2": "value2"
   }
 }'

{
 "id": "order_IluGWxBm9U8zJ8",
 "entity": "order",
 "amount": 100,
 "amount_paid": 0,
 "amount_due": 100,
 "currency": "MYR",
 "receipt": "rcptid_11",
 "offer_id": null,
 "status": "created",
 "attempts": 0,
 "notes": [],
 "created_at": 1642662092
}

Request Parameters

amount

mandatory

integer Payment amount in the smallest currency subunit. For example, if the amount is RM 500, enter 50000.

currency

mandatory

string The currency in which the payment should be made by the customer. Length must be of 3 characters.

receipt

optional

string Your receipt id for this order should be passed here. Maximum length is 40 characters.

notes

optional

json object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

partial_payment

optional

boolean Indicates whether the customer can make a partial payment. Possible values:

true: The customer can make partial payments.
false (default): The customer cannot make partial payments.

first_payment_min_amount

optional

integer Minimum amount that must be paid by the customer as the first partial payment. For example, if an amount of RM 7,000 is to be received from the customer in two installments of #1 - RM 5,000, #2 - RM 2,000 then you can set this value as 500000. This parameter should be passed only if partial_payment is true.

Know more about

Orders API

Response Parameters

Descriptions for the response parameters are present in the

Orders Entity

parameters table.

Error Response Parameters

The error response parameters are available in the

API Reference Guide

1.2 Create a Payment

Once an order is created, your next step is to create a payment. The following API will create a payment with ach as the payment method:

POST

/payments/create/json

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/payments/create/json \
-H "content-type: application/json" \
-d '{
  "amount": 50000,
  "currency": "",
  "order_id": "order_GAWN9beXgaqRyO",
  "email": "nur.aisyah@example.com",
  "contact": "+60123456789",
  "method": "ach",
  "bank_account": {
    "account_number": "000000001234",
    "name": " Nur Aisyah",
    "bank_code": "122105278",
    "bank_code_category": "routing_number",
    "account_type": "personal_savings"
  },
  "billing_address": {
    "line1": "Block",
    "line2": "Street",
    "city": "San Jose",
    "state": "California",
    "postal_code": "33154"
  }
}'

{
   "razorpay_payment_id": "pay_29QQoUBi66xm2f",
   "razorpay_order_id": "order_GAWN9beXgaqRyO",
   "razorpay_signature": "9ef4dffbfd84f1318f6ae648f114332d8401e0949a3d"
}

Request Parameters

amount

mandatory

integer Payment amount in the smallest currency sub-unit. For example, if the amount to be charged is RM 299, then pass 29900 in this field.

currency

mandatory

string Currency code for the currency in which you want to accept the payment. For example, USD.

order_id

mandatory

string Unique identifier of the Order.
Know more about

Orders API

mandatory

string Email address of the customer. Maximum length supported is 40 characters.

contact

mandatory

string Phone number of the customer. Maximum length supported is 15 characters, inclusive of country code.

method

mandatory

string Name of the payment method. Here it is ach.

bank_account

mandatory

object Bank account details.

account_number

mandatory

string Customer's bank account number.

name

mandatory

string Account holder's name as per bank records.

bank_code

mandatory

string The ACH routing number of the bank account.

bank_code_category

mandatory

string The category of bank code. Must be routing_number for ACH payments.

account_type

mandatory

string Type of bank account. Possible values:

personal_savings: Individual savings account.
personal_checking: Individual current account.
business_savings: Business savings account.
business_checking: Business current account.

billing_address

optional

json object This will have details about the billing address of the customer/user.

line1

optional

string Address Line 1 of the address.

line2

optional

string Address Line 2 of the address.

city

optional

string City of the address. For example, San Jose.

state

optional

string Name of the state. For example, California.

postal_code

optional

string Postal code of the state. For example, 33514.

The payment request for each of the supported payment methods will slightly vary. Know more about the

relevant payment request fields

Response Parameters

If the payment request is valid, the response contains the following fields:

razorpay_order_id

string Order ID returned by Razorpay Orders API.

razorpay_payment_id

string Returned by Razorpay API only for successful payments.

razorpay_signature

string A hexadecimal string used for verifying the payment.

Error Response Parameters

ACH Payment States

ACH payments progress through the following states:

Created: Payment request has been initiated.
Authorised: Payment has been accepted by Razorpay and submitted to the ACH network.
Captured: Funds have been confirmed and will be settled to your account.
Failed: Payment was rejected due to invalid account details, insufficient funds or other errors.

Payment Processing Timeline

Unlike card payments, ACH transactions are not processed in real-time. After successful payment creation:

The payment status moves to authorised within seconds.
However, actual bank authorisation takes 1-4 business days.
Settlement occurs on T+5 (5 business days after transaction).
Most returns occur within the first 5 days if there are account issues.

1.4 Handle Payment Success and Error Events

Once the payment is completed by the customer, a POST request is made to the callback_url provided in the payment request. The data contained in this request will depend on whether the payment was a success or a failure.

Success Callback

If the payment made by the customer is successful, the following fields are sent:

razorpay_payment_id
razorpay_order_id
razorpay_signature

{
  "razorpay_payment_id": "pay_LUtJxInEqa0oAA&",
  "razorpay_order_id": "order_LUtJ52zWwapfqs&",
  "razorpay_signature": "e617a6c035cb39feb6cd16358d83a4e3d30b11d9e8e2181e6ef442da1d41df20"
}

Failure Callback

If the payment has failed, the callback will contain details of the error. Refer to

Errors

for details.

1.5 Integrate Payments Rainy Day Kit

Use Payments Rainy Day kit to overcome payments exceptions such as:

1.6 Fetch Payment Details and Verify Payment Status

After receiving the razorpay_payment_id through the callback_url, use this endpoint to fetch the payment details:

Handy Tips

On the Razorpay Curlec Dashboard, ensure that the payment status is captured. Refer to the payment capture settings page to know how to

capture payments automatically

You can track the payment status in three ways:

To verify the payment status from the Razorpay Curlec Dashboard:

Log in to the Razorpay Curlec Dashboard and navigate to Transactions → Payments.
Check if a Payment Id has been generated and note the status. In case of a successful payment, the status is marked as Captured.

Next Steps

Step 2: Test Integration