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Using an eCheck Token to Submit an eCheck Debit Transaction Using the REST API {#echeck-api-use-token-submit-debit-txn}
=======================================================================================================================

This section shows how to use an eCheck token to submit an eCheck debit transaction using the REST API.

Using an eCheck Token to Submit an eCheck Transaction
-----------------------------------------------------

Follow these steps to use an eCheck token to submit an eCheck debit transaction:

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 Using an eCheck Token to Submit an eCheck Debit Transaction {#echeck-api-use-token-submit-debit-txn-req-fields}
===================================================================================================================================

[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 "")
:

[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.customer.id](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-customer-id.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`.

Optional Fields for Using an eCheck Token to Submit an eCheck Debit Transaction {#echeck-api-use-token-submit-debit-txn-opt-fields}
===================================================================================================================================

[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 "")
:

[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 "")
:

[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 "")
:
Set the value to `WEB`.

[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 "")
:
Set the value to `internet`.

REST Example: Using an eCheck Token to Submit an eCheck Debit Transaction {#echeck-api-use-token-submit-debit-txn-example}
==========================================================================================================================

Request

```
{
    "paymentInformation": {
        "paymentType": {
            "name": "check"
        },
        "customer": {
            "id": "22CC4C8BCC82EE54E0634136CF0A86E8"
        }
    },
    "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": "7271080098361234567890",
    "reconciliationId": "0TT46FR91BDT7Y9",
    "submitTimeUtc": "2024-09-23T16:13:30Z",
    "status": "PENDING",
    "clientReferenceInformation": {
        "code": "TC1-060"
    },
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.20"
        }
    }
}
```

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