"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\r\n ////Payment Context////\r\n \"transaction_type\": \"sale\",\r\n \"payment_method\": \"card\",\r\n \"base_amount\": \"10.00\",\r\n \"customer_id\": \"12345\", //A unique debt, tokens are tied to this id.\r\n //\"convenience_fee\": \"1.95\", //consumer fee available upon request \r\n //\"waive_conv_fee\": \"false\", //consumer fee available upon request\r\n \r\n ////Payment Method Information////\r\n \"cardholder_name\": \"Paul Tester\",\r\n \"card_number\": \"4111111111111111\",\r\n \"card_expiration\": \"0226\",\r\n \"card_cvc\": \"123\",\r\n \"address_street\": \"123 Test\", //used for REPAY's address verification service\r\n \"address_zip\": \"99999\", //tied to card holder account\r\n \"save_payment_method\": \"true\", //optional; if \"true\" a token will be generated for use on future payments\r\n\r\n////Other Information////\r\n \"ChannelUser\": \"pvillanueva@repay.com\", //required; user of person/entity entering the transaction\r\n \"PaymentChannel\": \"web\", //ivr, web, sms, etc\r\n \"Source\": \"APR API\" //required\r\n}"},"url":"https://{{subdomain}}.sandbox.repay.io/checkout/merchant/api/v1/payment","description":"Part 1 of 3:
\nUse this endpoint to request a checkout form. More on the proper checkout form request.
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| payment_method | \nType of payment being made | \ncard, ach, card_token, ach_token | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nYourInstitutionName | \nRequired | \n
\n\n
\n
This request illustrates the process of making a card payment via API.
\n","event":[{"listen":"prerequest","script":{"type":"text/javascript","exec":[""],"id":"887c436e-067a-41da-a9ab-d06c887c2f7b"}},{"listen":"test","script":{"type":"text/javascript","exec":[""],"id":"8695abed-398d-4790-9f1e-b86a5a0cf3d6"}}],"_postman_id":"213db241-c0dd-4874-8d0c-0768df3c7958","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"7b1ba3c2-8c9a-46ba-93e6-f8dd8f227950","id":"7b1ba3c2-8c9a-46ba-93e6-f8dd8f227950","name":"Direct API Payments (Single Endpoint w/Fee)","type":"folder"}}},{"name":"Pay with ACH (1Call)","item":[{"name":"Pay with ACH (1Call)","event":[{"listen":"test","script":{"id":"29ec0cbd-2538-44f1-8234-27beb30bc830","exec":["// API call to save paytoken as environment variable","if (responseCode.code === 200) {"," var jsonData = JSON.parse(responseBody);"," postman.setEnvironmentVariable(\"paytoken\", jsonData[\"paytoken\"]);","}"],"type":"text/javascript","packages":{},"requests":{}}}],"id":"7853581e-96fe-4d7d-a67a-6363493e80ec","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"apptoken {{apptoken}}","type":"text"}],"body":{"mode":"raw","raw":"{\r\n ////Payment Context////\r\n \"transaction_type\": \"sale\", // required\r\n \"payment_method\": \"ach\", // required\r\n \"base_amount\": \"200.00\",\r\n \"customer_id\": \"67890\", \r\n \"convenience_fee\": \"5.00\", // if Cfee being used the Cfee needs to be included in the amount. ie 200 base + 4.25 fee. 0.00 if no fee \r\n //\"waive_conv_fee\": \"false\", // Expecting true or false, When empty it defaults to true. \r\n // LoanPro is not currently passing \"waive_conv_fee\" field or values as of 6/26/25, but it is being dicussed to add to roadmap\r\n // Since waive_conv_fee not being passed now, REPAY will use convenience_fee amount in the Cfee rules checking on REPAY side\r\n\r\n ////Payment Method Information////\r\n \"name_on_check\": \"REPAY Test\",//required\r\n \"ach_account_number\": \"111111\",//required\r\n \"ach_routing_number\": \"999999992\",//required\r\n \"ach_account_type\": \"Checking\", //required; \"Options: Checking or Savings\"\r\n \"sec_code\":\"WEB\", //required; use capital letters\r\n \r\n\r\n////Other Information////\r\n // \"Source\": \"LoanPro\", // optional; Source is nto being passed at this time. Can be used for routing if needed\r\n \"AccountID\": \"21\", // optional; value that can be used to route funds when merchant has multiple MIDs\r\n \"MID\": \"111111\"\r\n}"},"url":"https://{{subdomain}}.sandbox.repay.io/checkout/merchant/api/v1/payment","description":"Part 2 of 3:
\nThis endpoint is similar to the /one-time-use-url endpoint but instead of returning a URL, it returns a paytoken. This paytoken is required to submit the transaction with the card token without going through the HPP interface.
\nYou provide the same input as the /one-time-use-url and will need to perform a POST to the card checkout form.
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| amount | \nThe requested amount for the Sale. | \n125.25, 700.00 | \nRequired | \n
\n\n| customer_id | \nContains the unique customer identification number | \n12345678 | \nRequired | \n
\n\n| ach_token | \nToken associated with the saved ACH payment method | \n9876543214 | \nRequired | \n
\n\n| transaction_type | \nDesignates the transaction call type | \nauth, sale, scheduled_sale | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nYourInstitutionName | \nRequired | \n
\n\n| LoanGroup | \nCustom field per merchant's request | \nLoanGroup1, LoanGroup2 | \nOptional | \n
\n\n| AddtionalCustomField1 | \nFields created specific to a Merchant's instance, multiple unique fields can be supported | \nLoanGroup, Invoice_number, Last4SSN | \nOptional | \n
\n\n| convenience_fee | \nConvenience Fee amount | \n4.95 | \nRequired | \n
\n\n| waive_conv_fee | \nIf the convenience fee is waived or not | \ntrue, false | \nRequired | \n
\n\n| PaymentChannel | \nWhich channel is the payment from | \nweb, mobile, IVR | \nRequired | \n
\n\n| ChannelUser | \nThe user that has submitted to payment through the channel | \nexample@email.com | \nRequired | \n
\n\n
\n
This folder contains the request used to make a payment with an ACH account.
\n","event":[{"listen":"prerequest","script":{"type":"text/javascript","exec":[""],"id":"504add14-e852-4063-99a3-b30113d668d1"}},{"listen":"test","script":{"type":"text/javascript","exec":[""],"id":"f5cb6683-7cc2-443a-9ec3-a5f82e75c22a"}}],"_postman_id":"93cbeba8-19dc-4a14-85d7-3e403cb99f51","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"7b1ba3c2-8c9a-46ba-93e6-f8dd8f227950","id":"7b1ba3c2-8c9a-46ba-93e6-f8dd8f227950","name":"Direct API Payments (Single Endpoint w/Fee)","type":"folder"}}}],"id":"7b1ba3c2-8c9a-46ba-93e6-f8dd8f227950","description":"This folder contains requests that will allow for direct payments and tokenization via our API.
\nThis method means the parent application will parse payment data which has some PCI scope concerns to be aware of.
\nThe advantage of this approach is that the parent application can completely manage its own workflow and offer a 100% custom user experience.
\nRetrieve a Paytoken
\nSimilar to the /one-time-use-url endpoint but instead of returning a URL, it will return a paytoken. This paytoken is required to submit a card token transaction and bypasses the Hosted Payment Page (HPP) interface.
\nYou provide the same input as the /one-time-use-url and will need to perform a POST to the card checkout form.
\nStandard HTTP Server Responses
\n(refer to the Result Codes section for REPAY backend response codes)
\nReturn Codes
\n\n| Code | Description |
|---|
2XX
| The API call was successful. |
4XX
| The API call had an error. The error will be encoded in the body of the response. |
5XX
| The API call was unsuccessful. You should try again later. |
\n\nSpecific Return Codes
\n\n| Code | Description |
|---|
200 Successful
| The request was successful. |
201 Created
| The request was successfully created. |
400 Bad request
| The request could not be understood or the validation parameters were missing. |
401 Unauthorized
| Authentication failed or user doesn't have valid permissions for the requested operation. |
403 Forbidden
| Access denied, the operation is not allowed. |
500 Internal Server Error
| Internal Server Error - try again later. |
","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"type":"text/javascript","exec":[""],"id":"c5f77ae0-41d0-47de-b00b-ef85132ded52"}},{"listen":"test","script":{"type":"text/javascript","exec":[""],"id":"2afa3652-e057-4e15-8053-2a3dbae3dfba"}}],"_postman_id":"7b1ba3c2-8c9a-46ba-93e6-f8dd8f227950"}],"id":"42672779-9502-4e0f-aafa-e37f224b880d","_postman_id":"42672779-9502-4e0f-aafa-e37f224b880d","description":""},{"name":"Multi Step API Calls","item":[{"name":"Direct API Payments","item":[{"name":"Pay with ACH","item":[{"name":"1st -- Get Checkout Form ID","id":"f0ed07be-0dcf-4a53-86e0-9ab6a1136d79","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"apptoken {{apptoken}}"}],"body":{"mode":"raw","raw":"{\r\n \"payment_method\": \"ach\",\r\n \"transaction_type\": \"sale\"\r\n}"},"url":"https://{{subdomain}}.sandbox.repay.io/checkout/merchant/api/v1/checkout","description":"Part 1 of 3:
\nUse this endpoint to request a checkout form. More on the proper checkout form request.
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| payment_method | \nType of payment being made | \ncard, ach, card_token, ach_token | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nYourInstitutionName | \nRequired | \n
\n\n
\n
Part 2 of 3:
\nThis endpoint is similar to the /one-time-use-url endpoint but instead of returning a URL, it returns a paytoken. This paytoken is required to submit the transaction with the card token without going through the HPP interface.
\nYou provide the same input as the /one-time-use-url and will need to perform a POST to the card checkout form.
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| amount | \nThe requested amount for the Sale. | \n125.25, 700.00 | \nRequired | \n
\n\n| customer_id | \nContains the unique customer identification number | \n12345678 | \nRequired | \n
\n\n| ach_token | \nToken associated with the saved ACH payment method | \n9876543214 | \nRequired | \n
\n\n| transaction_type | \nDesignates the transaction call type | \nauth, sale, scheduled_sale | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nYourInstitutionName | \nRequired | \n
\n\n| LoanGroup | \nCustom field per merchant's request | \nLoanGroup1, LoanGroup2 | \nOptional | \n
\n\n| AddtionalCustomField1 | \nFields created specific to a Merchant's instance, multiple unique fields can be supported | \nLoanGroup, Invoice_number, Last4SSN | \nOptional | \n
\n\n| convenience_fee | \nConvenience Fee amount | \n4.95 | \nRequired | \n
\n\n| waive_conv_fee | \nIf the convenience fee is waived or not | \ntrue, false | \nRequired | \n
\n\n| PaymentChannel | \nWhich channel is the payment from | \nweb, mobile, IVR | \nRequired | \n
\n\n| ChannelUser | \nThe user that has submitted to payment through the channel | \nexample@email.com | \nRequired | \n
\n\n
\n
Part 3 of 3:
\nOnce you have retrieved the paytoken, add the paytoken to the body of your request and perform a POST to the /payment endpoint.
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| amount | \nThe requested amount for the Sale. | \n125.25, 700.00 | \nRequired | \n
\n\n| customer_id | \nContains the unique customer identification number | \n12345678 | \nRequired | \n
\n\n| transaction_type | \nDesignates the transaction call type | \nauth, sale, scheduled_sale | \nRequired | \n
\n\n| paytoken | \nAlgorithmically generated number used to replace and protect the ach payment details. | \ntesttoken1234567890 | \nRequired | \n
\n\n| ach_token | \nToken associated with the saved ACH payment method | \n789654321 | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nYourInstitutionName | \nRequired | \n
\n\n| LoanGroup | \nCustom field for the merchant to designate a group that submitted the payment | \nLoanGroup1 | \nOptional | \n
\n\n| AddtionalCustomField1 | \nFields created specific to a Merchant's instance, multiple unique fields can be supported | \nLoanGroup, Invoice_number, Last4SSN | \nOptional | \n
\n\n| convenience_fee | \nConvenience Fee amount | \n4.95 | \nRequired | \n
\n\n| waive_conv_fee | \nIf the convenience fee is waived or not | \ntrue, false | \nRequired | \n
\n\n| PaymentChannel | \nWhich channel is the payment from | \nweb, mobile, IVR | \nRequired | \n
\n\n| ChannelUser | \nThe user that has submitted to payment through the channel | \nexample@email.com | \nRequired | \n
\n\n
\n
This folder contains the requests used to make a payment with an ach_token stored previosuly.
\n","event":[{"listen":"prerequest","script":{"type":"text/javascript","exec":[""],"id":"5c566ff8-d3f2-46d9-bd44-274bae2afc90"}},{"listen":"test","script":{"type":"text/javascript","exec":[""],"id":"c68959ad-3e66-4fa2-b499-4c61e585c8ef"}}],"_postman_id":"9decb077-c82b-44e3-90ab-2726dee03054"},{"name":"Pay With A Card","item":[{"name":"1st -- Get Checkout Form ID","id":"fd1cc2af-cb03-499e-9a0e-6723ac99d487","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"apptoken {{apptoken}}"}],"body":{"mode":"raw","raw":"{\r\n \"payment_method\": \"card\",\r\n \"transaction_type\": \"sale\"\r\n}"},"url":"https://{{subdomain}}.sandbox.repay.io/checkout/merchant/api/v1/checkout","description":"\nWhen making any payment to REPAY one of the most important items to account for is how the payment, payment method, and customer will all be segmented for the merchant. There may be minimal routing of transactions for a merchant or several scenarios that require REPAY's rule engine to be used.
\nTo accommodate all merchants it is a best practice to dynamically check REPAY for the proper checkout form to use for each transaction. At a minimum that means passing some data point to this endpoint.
\nThe body of this request is an example that would allow us to return unique checkout forms based on the payment method type and Source of a transaction; for example we might require cvv for a Source of \"customer portal\"; where for \"merchant portal\" we do not (though it is best to aways require cvv).
\nAdditionally as an example we might allow a Source of \"merchant portal\" to edit the amount of a payment on the REPAY form where this value is read only if the Source of \"customer portal\" is set (each Source will return a different id)
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| payment_method | \nType of payment being made | \ncard, ach, card_token, ach_token | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nMerchantName API | \nRequired | \n
\n\n
\n
This endpoint acts like the /one-time-use-url endpoint but instead of returning a URL it returns a paytoken, which is what will be needed to submit the transaction with the card token without going through the HPP interface.
\nYou provide the same input as you do on the /one-time-use-url endpoint except the following fields which are only required in the UI for a token payment for display purposes: \"card_brand\" & \"card_last_four\". You will need to POST this call to the card_token checkout form to get a paytoken that is associated to a card_token payment.
\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| amount | \nThe requested amount for the Sale. If convenience fee is being used, the amount must include the fee. | \n13.50 (base $10 + 3.50 fee) | \nRequired | \n
\n\n| convenience_fee | \nConvenience Fee amount | \n3.50 (passed as 0.00 if waived) | \nRequired | \n
\n\n| waive_conv_fee | \nIf the convenience fee is waived or not | \ntrue, false | \nRequired | \n
\n\n| customer_id | \nContains the unique customer identification number | \n12345678 | \nRequired | \n
\n\n| cardholder_name | \nThe cardholder's name as it appears on the card | \nJohn Test | \nRequired | \n
\n\n| card_number | \nThe sixteen (16) digit card number used for transactions. | \n4111111111111111 | \nRequired | \n
\n\n| card_cvc | \nThis field contains the three or four digit Card Verification Value (CVV) which is an anti-fraud security feature. | \n123 | \nOptional but highly requested by merchants | \n
\n\n| address_street | \nStreet Address that will be used for AVS check | \n123 Fake Street | \nOptional but highly requested by merchants | \n
\n\n| card_expiration | \nThe card expiration date in the format: MMYY where MM is the month, and YY is the year without the century. | \n1222 | \nRequired | \n
\n\n| transaction_type | \nDesignates the transaction call type | \nauth, sale, scheduled_sale | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nMerchantName API | \nRequired | \n
\n\n| AddtionalCustomField1 | \nFields created specific to a Merchant's instance, multiple unique fields can be supported | \nLoan Group, Invoice_number, Last4SSN | \nOptional | \n
\n\n | \n | \n | \n | \n
\n\n| payment_channel | \nWhich channel is the payment from - REPAY analytics field | \nweb, mobile, ivr | \nRequired | \n
\n\n| ChannelUser | \nThe user that has submitted to payment through the channel | \nacraig@repay.io | \nOptional | \n
\n\n
\n
Best practices for which fields to send regarding Convenience Fee
\n\n- If Merchant has a fee configured with REPAY:
\n- Include fee in amount field
\n- Send \"convenience_fee\":\"x.xx\",
\n- Send \"waive_conv_fee\":\"false\",
\n
\n \n
\nIf Merchant has a fee and does not allow waiving the Cfee, send as above
\n\n- If Merchant has both fee AND no fee configured with REPAY, to waive the
fee:\n- Do not include fee in amount field
\n- Send \"convenience_fee\":\"0.00\",
\n- Send \"waive_conv_fee\":\"true\",
\n
\n \n- If Merchant has no fee set up on REPAY side, just send amount.
Do not send:\n- \"convenience_fee\":\"{{some value}}\",
\n- \"waive_conv_fee\":\"{{some value}}\",
\n
\n \n
\n","urlObject":{"protocol":"https","path":["checkout","merchant","api","v1","checkout-forms","{{checkout-form-ID}}","paytoken"],"host":["{{subdomain}}","sandbox","repay","io"],"query":[],"variable":[]}},"response":[{"id":"8acef12e-5ad5-4b6a-aa03-d95db841d62a","name":"2nd -- Retrieve Paytoken w fee","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"apptoken {{apptoken}}"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"// Confirmed payload being sent by LoanPro except for waive_conv_fee. \r\n// Current LoanPro sandbox instance test-loanpro.sandbox.repay.io \r\n{ \r\n \"amount\": \"204.25\", // if Cfee being used the Cfee needs to be included in the amount. ie 200 base + 4.25 fee\r\n \"convenience_fee\": \"4.25\", // 0.00 if no fee\r\n // \"waive_conv_fee\": \"false\", // Expecting true or false, When empty it defaults to true. \r\n // LoanPro is not currently passing \"waive_conv_fee\" field or values as of 6/26/25, but it is being dicussed to add to roadmap\r\n // Since waive_conv_fee not being passed now, REPAY will use convenience_fee amount in the Cfee rules checking on REPAY side\r\n \"customer_id\": \"987654321\",\r\n \"cardholder_name\": \"Brian Repay\",\r\n \"card_number\": \"4007589999999961\",\r\n \"card_expiration\": \"1227\",\r\n \"transaction_type\": \"sale\",\r\n \"address_zip\": \"22222\",\r\n \"MID\": \"\", // optional value that can be used to route funds when merchant has multiple MIDs\r\n \"AccountID\": \"888888888\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://{{subdomain}}.sandbox.repay.io/checkout/merchant/api/v1/checkout-forms/99b65ca9-d2a9-43cb-973d-3f8e58785187/paytoken"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"server","value":"envoy"},{"key":"date","value":"Mon, 21 Jul 2025 17:42:23 GMT"},{"key":"content-type","value":"application/json"},{"key":"access-control-allow-credentials","value":"false"},{"key":"access-control-allow-headers","value":"Origin, Content-Type, Accept, Authorization, x-requested-with"},{"key":"access-control-allow-methods","value":"POST,GET,DELETE,PUT,OPTIONS"},{"key":"access-control-allow-origin","value":"test-loanpro.sandbox.repay.io"},{"key":"access-control-expose-headers","value":"Server-Timing"},{"key":"access-control-max-age","value":"1728000"},{"key":"server-timing","value":"traceparent;desc=\"00-00000000000000004e7b4e4c82034ead-c95c2c041fb2acad-01\""},{"key":"x-content-type-options","value":"nosniff"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; 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\n\n\n\n| Field Name | \nDescription | \nExample Data | \nRequired or Optional | \n
\n\n\n\n| amount | \nThe requested amount for the Sale. If convenience fee is being used, the amount must include the fee. | \n13.50 (base $10 + 3.50 fee) | \nRequired | \n
\n\n| convenience_fee | \nConvenience Fee amount | \n3.50 (passed as 0.00 if waived) | \nRequired | \n
\n\n| waive_conv_fee | \nIf the convenience fee is waived or not | \ntrue, false | \nRequired | \n
\n\n| customer_id | \nContains the unique customer identification number | \n12345678 | \nRequired | \n
\n\n| cardholder_name | \nThe cardholder's name as it appears on the card | \nJohn Test | \nRequired | \n
\n\n| card_number | \nThe sixteen (16) digit card number used for transactions. | \n4111111111111111 | \nRequired | \n
\n\n| card_cvc | \nThis field contains the three or four digit Card Verification Value (CVV) which is an anti-fraud security feature. | \n123 | \nOptional but highly requested by merchants | \n
\n\n| address_street | \nStreet Address that will be used for AVS check | \n123 Fake Street | \nOptional but highly requested by merchants | \n
\n\n| card_expiration | \nThe card expiration date in the format: MMYY where MM is the month, and YY is the year without the century. | \n1222 | \nRequired | \n
\n\n| transaction_type | \nDesignates the transaction call type | \nauth, sale, scheduled_sale | \nRequired | \n
\n\n| Source | \nIdentity of the call to repay.io | \nMerchantName API | \nRequired | \n
\n\n| AddtionalCustomField1 | \nFields created specific to a Merchant's instance, multiple unique fields can be supported | \nLoan Group, Invoice_number, Last4SSN | \nOptional | \n
\n\n | \n | \n | \n | \n
\n\n| payment_channel | \nWhich channel is the payment from - REPAY analytics field | \nweb, mobile, ivr | \nRequired | \n
\n\n| ChannelUser | \nThe user that has submitted to payment through the channel | \nacraig@repay.io | \nOptional | \n
\n\n
\n
Best practices for which fields to send regarding Convenience Fee
\n\n- If Merchant has a fee configured with REPAY:
\n- Include fee in amount field
\n- Send \"convenience_fee\":\"x.xx\",
\n- Send \"waive_conv_fee\":\"false\",
\n
\n \n
\nIf Merchant has a fee and does not allow waiving the Cfee, send as above
\n\nIf Merchant has both fee AND no fee configured with REPAY, to waive the\nfee:
\nDo not include fee in amount field
\nSend \"convenience_fee\":\"0.00\",
\nSend \"waive_conv_fee\":\"true\",
\nIf Merchant has no fee set up on REPAY side, just send amount.\n Do not send:
\n\"convenience_fee\":\"{{some value}}\",
\n\"waive_conv_fee\":\"{{some value}}\",
\n
\n","urlObject":{"protocol":"https","path":["checkout","merchant","api","v1","checkout-forms","{{checkout-form-ID}}","token-payment"],"host":["{{subdomain}}","sandbox","repay","io"],"query":[],"variable":[]}},"response":[{"id":"1a6905c0-6877-464b-ab04-15273a5bc1a0","name":"3rd -- Token Payment w fee","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"apptoken {{apptoken}}"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"//Confirmed payload being sent by LoanPro except for waive_conv_fee. \r\n// Current LoanPro sandbox instance test-loanpro.sandbox.repay.io \r\n{ \r\n \"amount\": \"204.25\", // if Cfee being used the Cfee needs to be included in the amount. ie 200 base + 4.25 fee\r\n \"convenience_fee\": \"4.25\", // 0.00 if no fee\r\n // \"waive_conv_fee\": \"false\", // Expecting true or false, When empty it defaults to true. \r\n // LoanPro is not currently passing \"waive_conv_fee\" field or values as of 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\nThis method means the parent application will be parsing payment data and have some PCI scope concerns of its own to be aware of.
\nThe advantage of this approach is that the parent application can manage its own work flow completely and offer a 100% custom user experience.
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\nThis action allows you to process a credit transaction to a specific bank account.
\n
\n\n| Required Field | Description | \n\n| name_on_check | Name as it is listed on the account. |
\n| account_number | Account number is an eight to ten digit number that identifies a specific account. |
\n| transit_number | Transit number is a nine-digit code based on the U.S. Bank location where your account was opened. |
\n
\n\n\n\n
\n\n| Optional Field | Description | \n| amount | The requested amount for the Sale. |
\n| convenience_amount | If convenience fees are used, this field would contain the amount. |
\n| check_type | Identifies if the account is personal or business. |
\n| account_type | Identifies if the account is checking or savings. |
\n| check_number | Contains the number of the check used for processing. |
\n| sec_code | Standard Entry Class (SEC) code specific to ACH batches used to determine which batch the transaction belongs in. See also: http://achdirect.com/resources/seccodes.html |
\n| discretionary_data | A twenty (20) character field that can be used to include miscellaneous data which goes on ACH batches. |
\n| entry_description | A ten (10) character field which can be used to configure a default entry description in the Merchant profile, or that can be provided on the request. Defaults include: \n- For rebill: REPURCHASE
\n- For sale: PURCHASE
\n- For credits: DISBURSE
\n- For credit prenote: CR PRENOTE
\n- For debit prenote: DB PRENOTE
|
\n| effective_date | Identifies the effective date of the ACH transaction. |
\n| auth_form_id | Used in conjunction with the authform API to tie the transaction to an autorization form. |
\n| ach_token | Contains a credential that is used by an application to process a payment without exposing any bank details such as transit number, account number or name on the account. |
\n| customer_id | Contains the unique customer identification number. |
\n| invoice_id | Indicates which invoice id is related to the ACH sale. |
\n| state_code | Contains the two (2) character state abbreviation. |
\n| date_of_birth | Contains the Customer's date of birth. |
\n| social_security_number | Contains the Customer's social security number. |
\n| drivers_license_number | Contains the Customer's driver's license number. |
\n| phone_number | Contains the Customer's best contact phone number. |
\n| email | Contains the Customer's email address. |
\n| force_duplicate | Flag to indicate if a duplicate transaction is being forced through the processor. |
\n| custom_fields | Fields created specific to a Merchant's instance. |
\n| value | The value of the custom field. |
\n| custom_field_id | Contains a unique identifier for a custom field. |
\n| custom_field_name | Contains the custom field name. |
\n| merchant_id | Contains the Merchant Identification Number (MID). |
\n| description | Contains any custom field description (if applicable). |
\n| is_required | Flag indicator: true = required, false = not required. |
\n| is_numeric | Flag indicator: true = numeric, false = string. |
\n| min_length | Field to set a minimum length. |
\n| max_length | Field to set a maximum length. |
\n| min_value | Field to set a minmum length for string type or a minimum value for numeric type. |
\n| max_value | Field to set a maximum length for string type or a maximum value for numeric type. |
\n| reg_ex | A regular expression used to validate the custom field value. |
\n| error_message | The error message displayed when the reg_ex validation fails. |
\n| transaction_id | Contains the transaction identification number, used interchangeably with Payment Network Reference ID (PNRef). |
\n| display_on_receipt | Indicator to display custom field on the receipt. |
\n
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\n"},{"key":"rg-api-secure-token","value":"{{gateway-merchant-securetoken}}","description":"This is the secure user access token.
\n"},{"key":"Content-Type","value":"application/json","description":"The Content-Type header is information for the application to detect what data was returned and how to handle it.
\n"}],"body":{"mode":"raw","raw":""},"url":"https://{{gateway-api-hostname}}/rgapi/v1.0/transactions/ach/{{pnref}}/void","description":" Required \n
\nA void occurs after authorization, but before settlement. Using the Payment Network Reference ID (PNRef), this action identifies the transaction in the REPAY system and allows you to post a void to the original transaction so it does not clear the bank account.
\n
\n\n| Required Field | Description | \n\n
| {{pnref}} | Passed in the URL: Payment Network Reference ID which is assigned by the payment server at the time the transaction is created. |
\n
","urlObject":{"protocol":"https","path":["rgapi","v1.0","transactions","ach","{{pnref}}","void"],"host":["{{gateway-api-hostname}}"],"query":[],"variable":[]}},"response":[{"id":"66a765b7-a77c-49b9-8027-1cd9acaaa847","name":"ACH Void","originalRequest":{"method":"POST","header":[{"key":"rg-api-user","value":"{{gateway-merchant-username}}","description":"This is the user name. "},{"key":"rg-api-secure-token","value":"{{gateway-merchant-securetoken}}","description":"This is the secure user access token."},{"key":"Content-Type","value":"application/json","description":"The Content-Type header is information for the application to detect what data was returned and how to handle it."}],"body":{"mode":"raw","raw":""},"url":"https://{{gateway-api-hostname}}/rgapi/v1.0/transactions/ach/{{pnref}}/void"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Transfer-Encoding","value":"chunked"},{"key":"Connection","value":"keep-alive"},{"key":"Date","value":"Thu, 29 Dec 2022 16:16:47 GMT"},{"key":"x-dlp-filtered","value":"1"},{"key":"cache-control","value":"no-cache"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"-1"},{"key":"server","value":"Microsoft-IIS/10.0"},{"key":"server-timing","value":"traceparent;desc=\"00-40240d65163b771354362a44200b2e38-21cd96763f29dbf9-01\""},{"key":"access-control-expose-headers","value":"Server-Timing"},{"key":"api-supported-versions","value":"1.0"},{"key":"x-aspnet-version","value":"4.0.30319"},{"key":"x-powered-by","value":"ASP.NET"},{"key":"x-processed-by","value":"rgapi"},{"key":"x-response-from-legacy","value":"true"},{"key":"Strict-Transport-Security","value":"max-age=31536000; includeSubDomains"},{"key":"Content-Security-Policy","value":"default-src https://* 'unsafe-inline' mailto:; script-src *.sandbox.repayonline.com *.googleapis.com cdn.segment.com 'unsafe-inline' 'unsafe-eval'; font-src *.sandbox.repayonline.com fonts.gstatic.com data:; img-src * data:; frame-src https://* 'unsafe-inline' blob: mailto:"},{"key":"X-Content-Type-Options","value":"nosniff"},{"key":"X-Frame-Options","value":"SAMEORIGIN"},{"key":"X-XSS-Protection","value":"1; mode=block"},{"key":"Referrer-Policy","value":"same-origin"},{"key":"X-Cache","value":"Miss from cloudfront"},{"key":"Via","value":"1.1 078213358ed22cd95c76373c4ed65b5a.cloudfront.net (CloudFront)"},{"key":"X-Amz-Cf-Pop","value":"HIO50-C2"},{"key":"X-Amz-Cf-Id","value":"VB8eRXWXzTZ4NX1L6Jywl592dO19gdgxXPUYurbKX-B6IcMdOeiNrQ=="}],"cookie":[],"responseTime":null,"body":"{\n \"amount\": 4.3,\n \"convenience_amount\": null,\n \"links\": [\n {\n \"href\": \"https://api.sandbox.repayonline.com/rgapi/v1.0/transactions/ach/565615647/emailreceipt\",\n \"rel\": \"emailReceipt\",\n \"method\": \"POST\"\n }\n ],\n \"custom_fields\": [],\n \"contract_detail\": null,\n \"response_message\": {\n \"description\": \"Approved\",\n \"details\": \"Approved\"\n },\n \"approval_code\": null,\n \"transaction_id\": 565615647,\n \"merchant_id\": 10492,\n \"merchant_name\": \"Loan Pro - Test\",\n \"host_ref_num\": null,\n \"customer_id\": \"CustomerId\",\n \"invoice_id\": \"Invoice123\",\n \"date\": \"2022-12-29T16:16:47.2771308Z\",\n \"result\": \"0\",\n \"result_text\": \"Transaction Cancelled.\",\n \"result_msg\": \"Transaction Cancelled.\",\n \"last4\": \"9185\",\n \"transit_number\": \"999999992\",\n \"check_number\": null,\n \"name_on_check\": \"John Doe\",\n \"trans_type_id\": \"Void\",\n \"user_name\": \"loanpro_gw_api \",\n \"register\": null,\n \"batch_id\": null,\n \"batch_number\": null,\n \"po_num\": null,\n \"voided\": false,\n \"settled\": true,\n \"sec_code\": \"WEB\",\n \"effective_date\": null,\n \"status\": null,\n \"bank_processing_date\": null,\n \"deposit_date\": null,\n \"orig_transaction_id\": \"565615645\",\n \"manual\": false,\n \"account_type\": \"CHECKING\",\n \"check_token_nickname\": null,\n \"corrected_last4\": null,\n \"corrected_transit_number\": null,\n \"corrected_transaction_code\": null,\n \"corrected_rdfi_id\": null,\n \"corrected_individual_id\": null,\n \"ach_token\": null,\n \"client_reference_id\": null\n}"}],"_postman_id":"866e3501-2f11-4bfd-b56c-a597366e3b6a"},{"name":"ACH Void Webhook","id":"3711e705-d670-480f-ad09-b293f1685009","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"VIEW","header":[],"body":{"mode":"raw","raw":"{\n \"event_data\": {\n \"request\": {\n \"gateway_mid\": \"10492\",\n \"amount\": \"4.3000\",\n \"amount_cents\": \"430\",\n \"custom_fields\": {},\n \"customer_id\": \"CustomerId\",\n \"invoice_number\": \"Invoice123\",\n \"account_number\": \"9185\",\n \"check_number\": null,\n \"name_on_check\": \"John Doe\",\n \"nickname\": null,\n \"payment_channel\": \"TBD\",\n \"routing_number\": \"999999992\"\n },\n \"result\": {\n \"host_code\": null,\n \"host_url\": \"\",\n \"last_batch_number\": null,\n \"message\": \"Transaction Cancelled.\",\n \"message1\": \"\",\n \"message2\": \"\",\n \"original_transaction_id\": \"565615645\",\n \"pn_ref\": \"565615647\",\n \"resp_msg\": \"Transaction Cancelled.\",\n \"result_code\": \"0\",\n \"account_type\": \"CHECKING\",\n \"ach_token\": null,\n \"auth_code\": \"Dummy Approval Code\"\n },\n \"timestamp\": \"2022-12-29T16:16:47.628611\"\n },\n \"event_meta_data\": {\n \"version\": \"1.0\",\n \"event_type\": \"check_void\"\n }\n}","options":{"raw":{"language":"json"}}},"urlObject":{"query":[],"variable":[]},"url":""},"response":[],"_postman_id":"3711e705-d670-480f-ad09-b293f1685009"}],"id":"d20d72fc-0556-4e02-81e0-dfc8f639daa8","_postman_id":"d20d72fc-0556-4e02-81e0-dfc8f639daa8","description":""}],"id":"4c352036-5de9-4f62-8b0b-9747dc320956","_postman_id":"4c352036-5de9-4f62-8b0b-9747dc320956","description":""},{"name":"Void Sale","id":"81af9bf7-0e99-4960-a7b1-0be2cfda09ac","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"apptoken {{apptoken}}"}],"body":{"mode":"raw","raw":"{\n \"amount\": 100.00\n}"},"url":"https://{{subdomain}}.sandbox.repay.io/checkout/merchant/api/v1/void/{{pn_ref}}","description":"This endpoint will allow you to void a transaction that has not settled. 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\n","urlObject":{"protocol":"https","path":["checkout","merchant","api","v1","void","{{pn_ref}}"],"host":["{{subdomain}}","sandbox","repay","io"],"query":[],"variable":[]}},"response":[],"_postman_id":"81af9bf7-0e99-4960-a7b1-0be2cfda09ac"}],"event":[{"listen":"prerequest","script":{"id":"ef1baedc-92b8-452e-bdb2-5683e7c9dbf8","type":"text/javascript","exec":[""]}},{"listen":"test","script":{"id":"7a3c5e02-c07a-466d-ad04-1662963002f6","type":"text/javascript","exec":[""]}}]}