Use eChecks

Overview

eChecks (electronic checks) are a secure, efficient, and cost-effective digital payment method that allows merchants to process payments directly from a customer's bank account. Using the Automated Clearing House (ACH) network, eChecks streamline transactions by replacing traditional paper checks with electronic processing. 

This method is ideal for recurring payments, large transactions, or industries where ACH payments are commonly used.

Supported currencies

eChecks support only USD transactions.

Workflow

1. Collect the following information from your customers:
   • Account holder name
   • Bank Routing number
   • Account number
   • Account type 
     • Use value "S" for SAVINGS accounts and "C" for CHECKING accounts in API
2. Create the order object. Use DIRECT_DEBIT_ACH as the type in the PaymentDetails object and pass the collected information through the PaymentMethod object.
3. Place the order.

Request parameters

Request example

<?php
declare(strict_types=1);
class Configuration
{
    public const MERCHANT_CODE = 'MERCHANT';
    public const MERCHANT_KEY = 'SECRET_KEY';
    public const URL = 'https://api.2checkout.com/rpc/6.0';
    public const ACTION = 'placeOrder';
    //array or JSON
    public const PAYLOAD = <<<JSON
{
    "Currency": "USD",
    "Language": "EN",
    "Country": "us",
    "CustomerIP": "91.220.121.21",
    "Source": "sourceAPI.net",
    "LocalTime": "2022-01-13 09:41:59",
    "CustomerReference": 421820775,
    "Items": [
        {
            "Code": "TA-TuneUp-M-RENEW"
        }
    ],
    "BillingDetails": {
        "Address1": "Test Address",
        "City": "LA",
        "State": "California",
        "CountryCode": "US",
        "Email": "testcustomer@2Checkout.com",
        "FirstName": "Customer",
        "LastName": "2Checkout",
        "Zip": "12345"
      },
    "PaymentDetails": {
        "Type": "DIRECT_DEBIT_ACH",
        "Currency": "USD",
        "CustomerIP": "91.220.121.21",
        "PaymentMethod": {
            "AccountHolderName": "John Doe",
            "BankRoutingNumber": "222371863",
            "AccountNumber": "999999999",
            "AccountType": "C",
            "RecurringEnabled": true
        }
    }
}
JSON;
}
class Client
{
    private const LOGIN_METHOD = 'login';
    private $calls = 1;
    private $sessionId;
    private function generateAuth(): array
    {
        $merchantCode = Configuration::MERCHANT_CODE;
        $key = Configuration::MERCHANT_KEY;
        $date = gmdate('Y-m-d H:i:s');
        $string = strlen($merchantCode) . $merchantCode . strlen($date) . $date;
        $algo = 'sha256';
        $hash = hash_hmac($algo, $string, $key);
        return compact('merchantCode', 'date', 'hash', 'algo');
    }
    public function login(string $url)
    {
        $payload = $this->generateAuth();
        $response = $this->call($url, array_values($payload), self::LOGIN_METHOD);
        $this->sessionId = $response['result'];
    }
    public function call(
        string $url = Configuration::URL,
        $payload = Configuration::PAYLOAD,
        string $action = Configuration::ACTION
    ): ?array {
        if (empty($this->sessionId) && $action !== self::LOGIN_METHOD) {
            $this->login($url);
        }
        if (is_string($payload)) {
            $payload = json_decode($payload, true);
        }
        if (!empty($this->sessionId)) {
            $payload = [$this->sessionId, $payload];
        }
        $payload = array_filter($payload);
        $request = json_encode([
            'jsonrpc' => '2.0',
            'method'  => $action,
            'params'  => $payload,
            'id'      => $this->calls++,
        ]);
        $curl = curl_init($url);
        curl_setopt($curl, CURLOPT_POST, 1);
        curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, 0);
        curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, 0);
        curl_setopt($curl, CURLOPT_SSLVERSION, 0);
        curl_setopt($curl, CURLOPT_RETURNTRANSFER, 1);
        curl_setopt(
            $curl,
            CURLOPT_HTTPHEADER,
            ['Content-Type: application/json', 'Accept: application/json', 'Cookie: XDEBUG_SESSION=PHPSTORM']
        );
        curl_setopt($curl, CURLOPT_POSTFIELDS, $request);
        $response = curl_exec($curl);
        if (empty($response)) {
            die('Server unavailable');
        }
        echo $response . '</br>';
        return json_decode($response, true);;
    }
}
$client = new Client();
$result = $client->call();
var_dump($result);

Response Parameters