Outbound ACH Debit Prenote

The Outbound ACH Debit Prenote (ACH_PULL_PRENOTE) API is used to send a zero-dollar ACH debit prenote to validate the RDFI's bank account before initiating a live ACH debit transaction.

Method: POST

{{URL}}/rpc/paymentv2

---

Example

Request Parameters

Parameter	Description
id	String Unique API request identifier
method	String API method Value: ledger.transfer
api	Object Authentication details
apiKey	String API key issued to the client
credential	String Base64 encoded credential
signature	String Request signature
payload	Object
channel	String Payment channel Value: ACH
transactionType	String Transaction type Value: ACH_PULL_PRENOTE
reference	String Unique transaction reference
reason	String Transaction purpose
standardEntryClassCode	String ACH SEC Code (e.g., CCD)
transactionDateTime	String Transaction initiation date & time
transactionAmount	Object
amount	String Prenote amount must always be "00"
currency	String ISO currency code
creditorAccount	Object
identification	String Creditor account number
identificationType	String Account identifier type
debtor	Object
userType	String Debtor type
firstName	String Debtor first name
identification	String Debtor identification value
identificationType	String Debtor identification type
debtorAccount	Object
identification	String Debtor account number
identificationType	String Account identifier type
identificationType2	String Account type (e.g., CHECKING)
institution	Object
name	String Financial institution name
identification	String Routing number
identificationType	String Routing identifier type
debtorContact	Object
primaryEmail	String Primary email address
primaryPhone	String Primary phone number
debtorPostalAddress	Object
addressLine1	String
addressLine2	String
addressType	String
city	String
state	String
zipCode	String
countryCode	String

---

Body

{
  "id": "1",
  "method": "ledger.transfer",
  "params": {
    "api": {
      "apiKey": "570329c645144cc78d5034f82d22aa6b",
      "credential": "Basic bS5zYWlmK3BsdXNsckBuZXR4ZC5jb206NTcwMzI5YzY0NTE0NGNjNzhkNTAzNGY4MmQyMmFhNmI=",
      "signature": "MEQCICVox07WkDHBfbtMitMnKfzyclL8OwrP1TRAU0/iIxXYAiAOo7FwRjGrA5RFVmJBbIXfZqD0UkuVejlJxZ9sQFeidA=="
    },
    "payload": {
      "channel": "ACH",
      "creditorAccount": {
        "identification": "644643076045327",
        "identificationType": "ACCOUNT_NUMBER"
        "companyName": "ABC Fintech"
      },
      "debtor": {
        "firstName": "JOHN",
        "lastName": "DOE",
        "identification": "89900200002",
        "identificationType": "KYC_ID",
        "userType": "INDIVIDUAL"
      },
      "debtorAccount": {
        "identification": "200165936144843",
        "identificationType": "ACCOUNT_NUMBER",
        "identificationType2": "CHECKING",
        "institution": {
          "identification": "011110646",
          "identificationType": "ABA",
          "name": "XYZ BANK"
        }
      },
      "debtorContact": {
        "primaryEmail": "n.sundar@netsys-inc.com",
        "primaryPhone": "7850010001"
      },
      "debtorPostalAddress": {
        "addressLine1": "3745 SW anamaker RD",
        "addressLine2": "Suite C",
        "addressType": "HOUSE",
        "city": "Topeka",
        "countryCode": "840",
        "state": "KS",
        "zipCode": "66610"
      },
      "reason": "Settlement",
      "reference": "PL120011215510210046",
      "standardEntryClassCode": "WEB",
      "transactionAmount": {
        "amount": "00",
        "currency": "USD"
      },
      "transactionDateTime": "2024-03-11 06:20:25",
      "transactionType": "ACH_PULL_PRENOTE"
    }
  }
}

Response: 200

Response Parameters

Parameter	Description
id	String
api	Object
type	String "ACH_PULL_PRENOTE_ACK"
reference	String
dateTime	String
transactionNumber	String
transactionStatus	String
processId	String
originalRequestBase64	String

{
  "id": "1",
  "result": {
    "api": {
      "type": "ACH_PULL_PRENOTE_ACK",
      "reference": "REF1659606106202614",
      "dateTime": "2026-01-06 14:48:23"
    },
    "transactionNumber": "QA00000000296252",
    "transactionStatus": "COMPLETED",
    "processId": "PL26010600242166",
    "originalRequestBase64": "<Base64>"
  }
}