Tokenize a bank acount

Overview

ACHQ provides tokenization of bank accounts as an optional service for your platform's benefit and security. Bank tokens can be created independently of a transaction via the Create a token endpoint.

While best practices dictate that all bank account data is tokenized, we recommend storing at least the Bank Name and Last 4 Digits of all bank accounts in your system. It is important to display this information to end-users when a transaction is authorized or initiated.

Tokens can be created in one of two ways:

A stand-alone API request as detailed below
As part of a transaction via Create a payment (bank account)

Fields and values

All API requests should include the fields detailed in the General Implementation Rules.

The following values are specific to creating a bank token:

Field Name	Usage	Description
Command	Required	ECheck.CreateACHQToken
Provider_TransactionID	Optional	An external ID which can be used for traceability between your application and ACHQ
CheckType	Required	Value must be Personal or Business
AccountType	Required	Value must be Checking or Savings
RoutingNumber	Required	ABA routing number on customer’s check
AccountNumber	Required	Customer’s bank account number

Response

{
  "CommandStatus": "Approved",
  "Description": "Command Successful.  Approved.",
  "ErrorInformation": null,
  "ExpressVerify": {
    "Status": null,
    "Code": null,
    "Description": null
  },
  "ResponseData": null,
  "ACHQToken": "achq-sandbox-3ff6d-b64fd-5a8a5",
  "Provider_TransactionID": "21321312",
  "TransAct_ReferenceID": "14469220",
  "ResponseCode": "000"
}

Full API reference here