Cresora Commerce Documentation

ACH (Automated Clearing House) payments let you debit a customer's US bank account directly. ACH is commonly used for high-value transactions, recurring billing, and healthcare payments.

ACH vs. card payments

	ACH	Card
Settlement	1–3 business days	Next business day
Return window	Up to 60 days (R10)	60–120 days (chargeback)
Cost	Lower per-transaction	Higher per-transaction
Failure mode	R-code returns	Declines

Authorization language (NACHA requirement)

Before debiting a bank account, you must obtain the customer's authorization. NACHA requires specific language depending on the payment type:

🔒NACHA authorization

You must display NACHA-compliant authorization language before collecting bank account details. See ACH Authorization Language → for the exact required text.

Create an ACH payment

curl

curl -X POST https://sandbox-api.cresoracommerce.com/api/v1/transactions/sale \
  -H "Authorization: Bearer csk_test_xxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: idem_$(uuidgen)" \
  -d '{
    "amount": "500.00",
    "currency": "USD",
    "payment_method": "ach_debit",
    "merchant_id": "mrch_xxxxxxxxxx",
    "bank_account": {
      "routing_number": "021000021",
      "account_number": "1234567890",
      "account_type": "checking",
      "account_holder_name": "Jane Smith"
    },
    "authorization_type": "internet"
  }'

Python

import requests, uuid

requests.post(
    "https://sandbox-api.cresoracommerce.com/api/v1/transactions/sale",
    headers={
        "Authorization": "Bearer csk_test_xxxxxxxxxxxx",
        "Idempotency-Key": f"idem_{uuid.uuid4()}",
    },
    json={
        "amount": "500.00",
        "currency": "USD",
        "payment_method": "ach_debit",
        "merchant_id": "mrch_xxxxxxxxxx",
        "bank_account": {
            "routing_number": "021000021",
            "account_number": "1234567890",
            "account_type": "checking",
            "account_holder_name": "Jane Smith",
        },
        "authorization_type": "internet",
    },
)

Node.js

await fetch("https://sandbox-api.cresoracommerce.com/api/v1/transactions/sale", {
  method: "POST",
  headers: {
    Authorization: "Bearer csk_test_xxxxxxxxxxxx",
    "Content-Type": "application/json",
    "Idempotency-Key": "idem_" + crypto.randomUUID(),
  },
  body: JSON.stringify({
    amount: "500.00",
    currency: "USD",
    payment_method: "ach_debit",
    merchant_id: "mrch_xxxxxxxxxx",
    bank_account: {
      routing_number: "021000021",
      account_number: "1234567890",
      account_type: "checking",
      account_holder_name: "Jane Smith",
    },
    authorization_type: "internet",
  }),
});

ACH returns

ACH returns occur when the receiving bank rejects the debit. Cresora fires an ach.return.received webhook:

{
  "event": "ach.return.received",
  "payment_id": "pay_xxxxxxxxxxxx",
  "return_code": "R01",
  "return_reason": "Insufficient funds"
}

Common return codes:

Code	Reason	Action
`R01`	Insufficient funds	Retry after agreement from customer
`R02`	Account closed	Stop attempting; update payment method
`R10`	Customer advises not authorized	Stop immediately; dispute likely
`R29`	Corporate not authorized	Re-obtain written authorization

⚠Warning

R10 (customer advises not authorized) is a serious signal. Stop all retries immediately and investigate. Continued debiting after an R10 violates NACHA rules.

Test routing numbers

Routing	Result
`021000021`	Approval
`999999999`	R01 — Insufficient funds
`111111118`	R10 — Not authorized

ACH Guide

ACH vs. card payments

Authorization language (NACHA requirement)

Create an ACH payment

ACH returns

Test routing numbers

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