Verify ACH Transactions

CardConnect

Use the CardSecure Gateway API to verify transaction status using the inquire and funding service endpoints.

Inquire Endpoint

1. Use the inquire endpoint when you have the retrieval reference number: (retref) from the authorization response. 
2. When the retrieval reference number is not available but a unique order ID was used in the authorization request, use the inquireByOrderId endpoint. 
3. The inquire response includes the settlement status (setlstat) which displays the settlement status of the transaction. 
4. When the "setlstat" : "rejected", use the funding endpoint for more information.

Funding Endpoint

The funding endpoint provides additional information for ACH transactions. Use this endpoint to retrieve an ACH return code (achreturncode), which includes rejected ACH transactions. 

1. Make a request using the merchant ID and the funding event date that included the transaction. 
2. The funding endpoint returns an array of all transaction details for the funding event date. 
3. Use retry for an ACH transaction to locate it in the txns node of the response data. The responses include an ACH return code (achreturncode), which includes rejected ACH transactions. Read more about CardConnect's rejection codes. 

Stripe

Learn more about ACH payments in Stripe.