Make a payment with Electronic Check

Audience: Citizen Developer

Skill Prerequisites: Tokens, Payment Integration

The Pay with Electronic Check action allows your application to initiate and process payments through an electronic check (eCheck) using Authorize.Net. This action supports both Authorization and Capture transaction types and can be utilized for dynamic payment scenarios where traditional credit card processing is not preferred.

Typical Use Cases

• Accepting payments from users using bank accounts (ACH/eCheck) instead of credit/debit cards
• Automating regular bill payments or large transactions easily and securely
• Reducing processing fees compared to credit card transactions

Related Actions

Action Name	Description
Pay with Credit Card	Process a payment using a credit card with Authorize.Net.
Simple Checkout	Redirect users to a hosted payment page using Authorize.Net Simple Checkout.

Input Parameter Reference

Parameter	Description	Supports Tokens	Default	Required
API Login ID	Required. API Login ID and Transaction Key. Authenticates requests to the gateway.	Yes	empty	Yes
Transaction Key	Required. API Login ID and Transaction Key. Authenticates requests to the gateway.	Yes	empty	Yes
Credit Card Transaction Type	Credit Card Transaction Type. Determines how the payment is processed (e.g., AUTH_CAPTURE, AUTH_ONLY, etc.).	Yes	AUTH_CAPTURE	No
Go Live	Enable to post the transaction to Authorize.Net's live server, otherwise the test server is used.	Yes	False	No
Payment Description	Description that will appear in payment statements or receipts.	Yes	empty	No
Transaction's currency	The currency for the transaction (AUD, USD, CAD, GBP, NZD, EUR).	Yes	USD	No
Amount - total to pay	Amount to pay in selected currency. Can contain other tokens or expressions.	Yes	empty	Yes
Bank Aba Code	Bank's routing number.	Yes	empty	Yes
Bank Acct Num	Bank account number.	Yes	empty	Yes
Bank Acct Type	Bank account type (checking, savings, etc.).	Yes	empty	Yes
Bank Name	Name of the bank that holds the account.	Yes	empty	Yes
Bank Acct Name	Name associated with the bank account.	Yes	empty	Yes
eCheck Type	Type of electronic check transaction (ARC, BOC, CCD, PPD, TEL, WEB).	No	empty	Yes
Bank Check Number	Check number on customer's check. Required for ARC or BOC eCheck types.	Yes	empty	No
First Name	Customer's first name.	Yes	empty	Yes
Last Name	Customer's last name.	Yes	empty	Yes
Address	Customer's address.	Yes	empty	Yes
City	Customer's city.	Yes	empty	Yes
State	Customer's state.	Yes	empty	Yes
Country	Customer's country.	Yes	empty	Yes
Postal Code	Customer's ZIP/postal code.	Yes	empty	Yes
Fields	(Optional) Additional fields to pass to Authorize.Net. Map field names/values or expressions.	Yes	empty	No

Output Parameters Reference

Parameter	Description
Output Authorize.Net Response Code Token Name	Token name for the response code from Authorize.Net.
Output Authorize.Net Response Reason Code Token Name	Token name for the response reason code.
Output Authorize.Net Response Reason Text Token Name	Token name for the response reason text.
Output Authorize.Net Response Authorization Code Token Name	Token name for the authorization code provided by Authorize.Net.
Output Authorize.Net Response Transaction ID Token Name	Token name for the transaction ID assigned by Authorize.Net.

Events (Action Lists)

After the transaction, different action lists can be triggered based on the gateway's response:

• On Approved: Executed if the payment is approved.
• On Declined: Executed if the payment is declined.
• On Error: Executed if there is a processing error.
• On Held For Review: Executed if the transaction is held by Authorize.Net for review.

Security

Make sure all sensitive information (bank account numbers, personal data) are collected securely and comply with PCI DSS and NACHA rules.

Sensitive output values must be stored in secure tokens, and logs should avoid outputting this information. Do not expose unencrypted values in UI.

Examples

1. Basic Electronic Check Payment

This example processes a $100.00 payment via eCheck in test mode for the user:

{
  "Title": "Pay with Electronic Check",
  "ActionType": "PayWithElectronicCheck",
  "Parameters": {
    "AuthorizeNetAPILoginID": "[Settings:AuthorizeNetApiLogin]",
    "AuthorizeNetTransactionKey": "[Settings:AuthorizeNetApiKey]",
    "AuthorizeNetTransactionType": "AUTH_CAPTURE",
    "AuthorizeNetLiveMode": false,
    "AuthorizeNetTitle": "Subscription Fee",
    "AuthorizeNetCurrency": "USD",
    "AuthorizeNetAmount": "100.00",
    "AuthorizeNetBankAbaCode": "[Form:RoutingNumber]",
    "AuthorizeNetBankAcctNum": "[Form:BankAccountNumber]",
    "AuthorizeNetBankAcctType": "checking",
    "AuthorizeNetBankName": "[Form:BankName]",
    "AuthorizeNetBankAcctName": "[User:DisplayName]",
    "AuthorizeNetECheckType": "WEB",
    "AuthorizeNetBankCheckNumber": "[Form:CheckNumber]",
    "AuthorizeNetFirstName": "[Form:FirstName]",
    "AuthorizeNetLastName": "[Form:LastName]",
    "AuthorizeNetAddress": "[Form:Address]",
    "AuthorizeNetCity": "[Form:City]",
    "AuthorizeNetState": "[Form:State]",
    "AuthorizeNetCountry": "[Form:Country]",
    "AuthorizeNetPostalCode": "[Form:PostalCode]",
    "AuthorizeNetFields": {},
    "AuthorizeNetResponseCodeTokenName": "eCheckResponseCode",
    "AuthorizeNetResponseReasonCodeTokenName": "eCheckReasonCode",
    "AuthorizeNetResponseReasonTextTokenName": "eCheckReasonText",
    "AuthorizeNetResponseAuthorizationCodeTokenName": "eCheckAuthCode",
    "AuthorizeNetResponseTransactionIDTokenName": "eCheckTransactionId",
    "OnApproved": [],
    "OnDeclined": [],
    "OnError": [],
    "OnHeldForReview": []
  }
}

2. Handling Success or Decline with Action Events

Often, you want to notify the user or perform additional actions after processing.

{
  "Title": "Pay with Electronic Check",
  "ActionType": "PayWithElectronicCheck",
  "Parameters": {
    // ... parameters as above ...
    "OnApproved": [
      {
        "Title": "Display Success Message",
        "ActionType": "DisplayMessage",
        "Parameters": {
          "Message": "Payment successfully processed! Transaction ID: [eCheckTransactionId]"
        }
      }
    ],
    "OnDeclined": [
      {
        "Title": "Display Decline Message",
        "ActionType": "DisplayMessage",
        "Parameters": {
          "Message": "Your payment was declined. Reason: [eCheckReasonText]"
        }
      }
    ],
    "OnError": [],
    "OnHeldForReview": []
  }
}

See Also

• Pay with Credit Card
• Simple Checkout