customer/v1/payment

[POST] customer/v1/payment

Submit a payment

Send payments via the payment endpoint from a customer's account to an internal (intra-fintech) or external account. For intra-fintech payments, funds are transferred between accounts within a matter of seconds. Other payments to external accounts require settlement. For payments to/from an external bank account, a positive amount indicates funding for the account initiating the call, and a negative amount value indicates sending money from the account initiating the call. For internal (intra-fintech) payments, the amount must be positive and indicates sending money from the account initiating the call. All payment requests are made in the lowest possible denomination of a currency; eg a funding request for $1.00 USD will be sent as 100.

Device identification is optional, but it is passed to the compliance monitoring system for help with case management (refunds, fraud, etc.).

Example [POST] Request

{{avenu_base_url}}/customer/v1/payment

{
    "paymentType": "",
    "recipientAccount": {
        "customerAccountNumber": "",
        "achAccountNumber": "",
        "achRoutingNumber": "",
    },
    "amount": "",
    "currency": "",
    "scheduledDate": "",
    "numberOfPayments": "",
    "paymentsInterval": "",
    "memo": "",
    "firstName" : "",
    "middleInitial" : "",
    "lastName" : "",
    "address" : "",
    "city" : "",
    "state" : "",
    "zipCode" : "",
    "country" : "",
    "deviceIdentity": {
        "deviceId": "",
        "deviceType": "",
        "deviceName": "",
        "deviceOperatingSystem": "",
        "deviceIPAddress": "",
        "deviceLocation": "",
        "deviceLongitude": "",
        "deviceLatitude": "",
        "deviceUser": "",
        "deviceIMEINumber" : "",
        "deviceTorEnabled" : "",
        "deviceFirstSeen" : "",
        "deviceLastSeen" : ""
  }
}

Input Parameters

Parameter	Format	Required	Details
"paymentType"	String	Y	The type of payment for the transaction. See Payments Overview
"customerAccountNumber"	String	N
"achAccountNumber"	String	N
"achRoutingNumber"	String	N
"amount"	Long	Y	Funding amount in lowest currency e.g. cents
"currency"	String; Three-letter ISO currency code	Y
"scheduledDate"	String; ISO 8601 YYYY-MM-DD	Y
"numberOfPayments"	Integer	N
"paymentsInterval"	String	N
"memo"	String	N
"firstName"	String	Y
"middleInitial"	String; Max and Min length to be set to 1	N
"lastName"	String	Y
"address"	String	N
"city"	String	N
"state"	String	N
"zipCode"	String; valid number of length 5	N
"country"	String; ISO 3166 Alpha-3 country code
"deviceId"	String	N
"deviceType"	String	N
"deviceName"	String	N
"deviceOperatingSystem"	String	N
"deviceIPAddress"	String	N
"deviceLocation"	String	N
"deviceLongitude"	String	N
"deviceLatitude"	String	N
"deviceUser"	String	N
"deviceIMEINumber"	String	N
"deviceTorEnabled"	Boolean	N
"deviceFirstSeen"	String; ISO 8601 yyyy-mm-dd	N
"deviceLastSeen"	String; ISO 8601 yyyy-mm-dd	N

Example Response

{
    "payment": {
        "paymentType": "",
        "recipientAccount": {
            "customerAccountNumber": "",
            "achAccountNumber": "",
            "achRoutingNumber": "",
        },
        "amount": xxx,
        "currency": "usd",
        "scheduledDate": "",
        "numberOfPayments": "",
        "paymentsInterval": "",
        "memo": "",
        "firstName" : "",
        "middleInitial" : "",
        "lastName" : "",
        "address" : "",
        "city" : "",
        "state" : "",
        "zipCode" : "",
        "country" : "",
    },
    "paymentId": "xxxx",
    "sender": "",
    "status": "",
    "dateCreated": "",
    "dateUpdated": "",
}

Response Elements

(In addition to elements found in input parameters)

Element	Details
paymentId	UUID payment identifier
sender	Sender account number
status	Status of payment at end of transaction. See Payments Overview.
dateCreated	Transaction processed date in format ISO 8601 YYYY-MM-DD.
dateUpdated	Date of last status update in format ISO 8601 YYYY-MM-DD

Error Codes

Code	Message
1001	"Missing required field"
1002	"Invalid data structure"
1003	"Invalid data"

[GET] customer/v1/payment

Get payment details

The payment details endpoint returns data specific to a unique paymentId .

Example [GET] Request

{{avenu_base_url}}/customer/v1/payment/{{paymentId}}

Request Parameter

Parameter	Format	Required
"paymentId"	String	Y

Example Response

{
    "payment": {
        "paymentType": "",
        "recipientAccount": {
            "customerAccountNumber": "",
            "achAccountNumber": "",
            "achRoutingNumber": "",
        },
        "amount": xxx,
        "currency": "",
        "scheduledDate": "",
        "numberOfPayments": "",
        "paymentsInterval": "",
        "memo": "",
        "firstName" : "",
        "middleInitial" : "",
        "lastName" : "",
        "address" : "",
        "city" : "",
        "state" : "",
        "zipCode" : "",
        "country" : ""
    },
    "paymentId": "",
    "status": "",
    "dateCreated": "",
    "dateUpdated": "",
    "returnCode": "",
   "publicTraceNumber": "" 
}

Response Elements

Element	Details
paymentType	The type of payment for the transaction. See Payments Overview
recipientAccount	Array with details of the account receiving the payment
customerAccountNumber	Account number of the recipient
achAccountNumber	ACH account number of the recipient
amount	The amount of the payment in the lowest currency. e.g. cents
currency	The currency of the payment
scheduledDate	Scheduled payment date in format ISO 8601 YYYY-MM-DD
numberOfPayments	The number of payments if recurring
paymentsInterval	The frequency of payments if recurring
memo	Any memo attached to the payment
firstName	The Recipient account owner first name
middleInitial	The Recipient account owner middle initial
lastName	The Recipient account owner last name
address	The Recipient account owner address
city	The Recipient account owner city
state	The Recipient account owner state
zipCode	The Recipient account owner ZIP code
country	The Recipient account owner country
paymentId	The identification number for the payment.
status	The current status of the transaction. See Payments Overview
dateCreated	Transaction processed date in format ISO 8601 YYYY-MM-DD
dateUpdated	Date of last status update in format ISO 8601 YYYY-MM-DD
returnCode	Value set for ACH Returns only
publicTraceNumber	Value set for ACH transactions only