On This Page {#jumplink-list} [Markdown](/docs/cybs/en-us/echeck/user/all/rest/echeck-user-guide/echeck-api-intro/echeck-api-cre-token-with-txn.md) Filter FILTER BY TAG Creating an eCheck Token and Processing an eCheck Transaction Using the REST API {#echeck-api-cre-token-with-txn} ================================================================================================================= This section shows how to create an eCheck transaction along with an eCheck transaction using the REST API. > IMPORTANT The token can also be used for future eCheck transactions for this customer. Creating an eCheck Token and Processing an eCheck Transaction ------------------------------------------------------------- Follow these steps to create an eCheck token for your customer and process an eCheck transaction at the same time: 1. Create the message with the required API fields. 2. Send the message to one of these endpoints: * Production: `POST ``https://api.cybersource.com``/pts/v2/payments` * Test: `POST ``https://apitest.cybersource.com``/pts/v2/payments` 3. Verify the response messages to make sure that the request was successful. A 200-level HTTP response code indicates success. See [Transaction Response Codes](https://developer.cybersource.com/api/reference/response-codes.md ""). Required Fields for Creating an eCheck Token and Processing an eCheck Transaction {#echeck-api-cre-token-with-txn-req-fields} ============================================================================================================================= [clientReferenceInformation.code](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "") : Order reference or tracking number. [orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "") : Set the value to `USD`. [orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "") : Grand total for the order. This value cannot be negative. You can include a decimal point (.), but no other special characters. `Cybersource` truncates the amount to the correct number of decimal places. : This field is required if line items *are not present* in the downstream service. : > IMPORTANT > If line items *are present* in the downstream service, this value (if present) takes precedence over the sum of the line items. [orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "") : [orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "") : Set the value to a valid USPS two-letter state or possession abbreviation. [orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "") : Set the value to `US`. [orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "") : [orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "") : [orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "") : [orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "") : [orderInformation.billTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-phone-num.md "") : [orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "") : [paymentInformation.bank.account.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-bank-account-num.md "") : [paymentInformation.bank.account.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-bank-account-type.md "") : [paymentInformation.bank.routingNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-bank-routing-number.md "") : [paymentInformation.paymentType.name](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-payment-type-name.md "") : Set the value to `check`. [processingInformation.actionList](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-action-list.md "") : Set the value to `TOKEN_CREATE`. [processingInformation.actionTokenTypes](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-action-token-types.md "") : Indicates the type of `Token Management Service` (`TMS`) token to be created in the request. Possible values for this use case: * `customer` * `instrumentIdentifier` * `paymentInstrument` Optional Fields for Creating an eCheck Token and Processing an eCheck Transaction {#echeck-api-cre-token-with-txn-opt-fields} ============================================================================================================================= [clientReferenceInformation.applicationName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-application-name.md "") : [clientReferenceInformation.applicationUser](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-application-user.md "") : [clientReferenceInformation.applicationVersion](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-application-version.md "") : [orderInformation.billTo.address2](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address2.md "") : [orderInformation.billTo.company.name](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-company-name.md "") : [processingInformation.bankTransferOptions.secCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-bank-transfer-options-sec-code.md "") : Specifies the authorization method for the transaction. Possible values for this use case: * `CCD`: Corporate cash disbursement. * `PPD`: Prearranged payment and deposit entry. * `TEL`: Telephone-initiated entry. * `WEB`: Internet-initiated entry. [processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") : Type of transaction. Possible values for this use case: * `internet` (default): Order placed from a website. * `moto`: Mail order or telephone order. * `recurring`: Recurring payment that is a US transaction or non-US mail order or telephone order (MOTO) transaction. For merchant-initiated transactions on `Visa Platform Connect` with Mastercard in India or with an India-issued card, the recurring value is used for the recurring payment scenario. REST Example: Creating an eCheck Token and Processing an eCheck Transaction {#echeck-api-cre-token-with-txn-example} ==================================================================================================================== Request ``` { "paymentInformation": { "paymentType": { "name": "check" }, "bank": { "routingNumber": "071923284", "account": { "number": "12345678901234567", "type": "C" } } }, "clientReferenceInformation": { "code": "TC1-060" }, "processingInformation": { "actionList": [ "TOKEN_CREATE" ], "actionTokenTypes": [ "customer" ] }, "orderInformation": { "billTo": { "country": "US", "firstName": "John", "lastName": "Doe", "phoneNumber": "2053040804", "address1": "12th Ave", "postalCode": "98105", "locality": "Seattle", "administrativeArea": "WA", "email": "test@example.com" }, "amountDetails": { "currency": "USD", "totalAmount": "10.20" } } } ``` Response ``` { "id": "7271075033691234567890", "reconciliationId": "0TT46FR91BDT7Y6", "submitTimeUtc": "2024-09-23T16:05:04Z", "status": "PENDING", "clientReferenceInformation": { "code": "TC1-060" }, "orderInformation": { "amountDetails": { "currency": "USD", "totalAmount": “10.20" } }, "paymentInformation": {}, "tokenInformation": { "instrumentIdentifierNew": “false”, "customer": { "id": "22CC4C8BCC82EE54E0634136CF0A86E8" }, "instrumentIdentifier": { "id": "E8C05D69D9C53AB1E0534136CF0AF328", "state": "ACTIVE" }, "paymentInstrument": { "id": "22CC4C8BCC8AEE54E0634136CF0A86E8" } } } ``` RELATED TO THIS PAGE