Payments Overview

Avenu currently offers payment capabilities in the form of ACH transfers. Version 1 of Avenu's API supports debit card funding of a customer's account and ACH origination. Debit funding is available to instantiate an account balance. There are also endpoints available to retrieve payment statuses and details, create a dispute, and administer customer payment adjustments.

Payments	Endpoints
Fund account via debit card	customer/v1/fund
Fund account via tokenized debit card	customer/v1/token/fund
Send payments, see payment details	customer/v1/payment
See payment status	customer/v1/payment/status
See recent payments	customer/v1/payments

Statuses

These are codes returned when requesting status updates or posting a payment.

Code	Description
PENDING	A pending settlement
FAILED	The payment failed
SETTLED	The payment has been settled
DECLINED	The payment has been declined
CANCELED	The payment has been canceled
AUTHORIZED	The debit card funding has been authorized
CAPTURED	The debit card funding has been captured. Funds are available for customer use.

Payment Types

The currently available payment types in Avenu's v1 API

Type	Description	Transaction ID Prefix
AVENU	Payment between Avenu customers	s.{UUID} (sender) r.{UUID} (receiver)
ACH	Payment to/from an ACH account	a.{UUID}
RETURN	ACH payments that have been returned by the receiver. Returns with the following return codes will result in the associated customer account being SUSPENDED: R02, R03, R04, R05, R07, R08, R10, R11	c.{UUID}
DEBIT_CARD_FUND	A debit card funding	cf.{UUID}
ACH_TRANSFER	Transfer from customer's account to a client's account	t.{UUID}
TRANSFER_REFUND	A return from the client's account to a customer's account	tr.{UUID}
ADJUSTMENT	Transaction type when a disputed transaction is adjusted because compliance found an error has occurred or provides a provisional credit. If a provisional credit is applied and later found that "no error occurred" then the reversal transaction will also have ADJUSTMENT as paymentType with a "jr." prefix.	j.{UUID} / jr.{UUID}
MANUAL_ADJUSTMENT	A manual adjustment transaction made by Avenu admin	m.{UUID}
DEBIT_FUND_CHARGEBACK	A chargeback received by the merchant processor from a disputed debit card funding transaction.	n/a