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Version: v2

ACH + ACH Transaction

Split tender transactions with two bank accounts (ACH) allow customers to distribute payment for a single order across two different bank accounts. This functionality provides flexibility by allowing customers to split payments between different accounts for budgeting or funding purposes.

Scope
  • Mode: Pay With Wallet | API Scope: merchant | API Enpoint: v2/payments | Interaction mode: API
  • Maximum number of payment methods: 2
  • Payment Type: SALE
  • Transaction Type: ACH + ACH
Out-Of-Scope
  • Mode: One Time Pay Pay & Save | API Scope: merchant-pci | API Enpoint: v2/sessions | Interaction mode: UI
  • Payment Type: PRE-AUTH
  • Transaction Type: Card + Card / Card + ACH
Transaction Processing

For detailed information about ACH+ACH transaction processing, see Split Tender Transaction Processing.

Business Use Case Scenarios​

Payment Method Validation

Given Payment Method validation is passed for both the payment methods, refer to Payment Method Validation

ACH Cancellation
  • ACH Cancellation is not reliable in production.
  • ACH Cancellation can be issued only when payment intent is in processing status
  • In Production Envrinoment, transaction moves from processing to pending status where cancellation is impossible

Standard Use Cases​

Business Use Cases
IDScenarioCCG StatusCCG
Transaction Status		CCG ActionsCCG
Transaction Final Status
ACH 1ACH 2
1Both ACH Payments AcceptedACCEPTEDACCEPTED✅ ACCEPTEDACCEPTED
1Both ACH Payments Successful✅ COMPLETED✅ COMPLETED✅ COMPLETED✅ COMPLETED
2One ACH failed and Another success❌ FAILED✅ COMPLETED✅ ACCEPTEDIssue Refund for ACH 2❌ FAILED

Edge Cases​

Probability
  • Refund Failures are permanent and probability in production is less
  • Handling Roll back failures should be determined based on the impact and volume of affected transactions in production.
Edge Cases

CCG Roll back Failure​

CCG Roll back Failure

A CCG Roll back Failure occurs when refund fails but the ACH payment is completed, and the system is unable to process refund for the ACH transaction.

  • Resolution:
    • Merchant Action:
      • Refunds with Alternative Payment Method: New Payment method to be retrieved from customer to initiate a credit.
      • Partial Success: Merchant can accept the partial success and render service accordingly

Webhook Handling​

Refer ACH+ACH