ACH Transactions

The ACH Transactions solution lets you accept direct debit and credit payments securely through the Automated Clearing House (ACH) network.

Third-party providers such as Paya and DCS supports to process ACH payments and manage reporting.

Prerequisites

To process ACH transactions, ensure you have following:

✅ Integrated JavaScript SDK.

See JavaScript to integrate.

✅ API access key issued to you by Xplor Pay.

Visit Let's Get Started - Xplor Pay to get API access key.

✅ A sandbox URL for testing the integration.

Contact Xplor Pay Getting Started to get Sandbox URL.

1

Set up ACH payment form

To set up the the ACH payment form using the Add payment form:

1. Add a <div> tag to host the ACH payment form.

<div id="payment-form"></div>

1. Include the JavaScript SDK library.

<script src="https://gateway-sb.clearent.net/js-sdk/js/clearent-host.js"></script>

1. Initialize the SDK with your sandbox base URL and public key.

<script type="text/javascript">
    ClearentSDK.init({
        "baseUrl": "https://gateway-sb.clearent.net",
        "pk": "YOUR_PUBLIC_KEY"
    });
</script>

The ACH payment form appears on your webpage with fields for bank account number, routing number, and account type.

2

Get JSON Web Token

To get a JSON Web Token:

1. Add the getPaymentToken() method to your site to receive a success response.

ClearentSDK.getPaymentToken().then(
    (result) => {
        console.log("ACH Token Success");
        console.log(result);
    },
    (error) => {
        console.log("ACH Token Error");
        console.log(error);
    }
);

The response includes a jwt field with the tokenized ACH payment authorization.

{
   "code": "200",
   "status": "success",
   "exchange-id": "ID-clearent-mobile-jwt-1-c32bfe39-d454-4e34-8b4f-94d850643e48",
   "payload": {
      "mobile-jwt": {
         "jwt": "eyJhbGciOi23UzIh4iJ9...",
         "last-four": "6789"
      },
      "payloadType": "mobile-jwt"
   }
}

3

Process ACH payment

To process the ACH payment:

1. Use the POST method.
2. Include the mobile-jwt token in the request headers for authentication.

See the jwt field in the successful response from the JavaScript SDK.

1. Send a transaction request to the ACH Transaction endpoint with required fields.

The success response returns the ACH transaction status as Pending, Approved, or Failed in the status field.