question

ebwg avatar image
ebwg asked ebwg answered

ACH Telecheck charge - 402 Payment Required

Hello, I am having issues making a telecheck charge in production. I can get the token OK but posting the charge gives me back an error 402 Payment Required.


Token request post to https://token.clover.com/v1/tokens (personal info removed) -

{

"ach": {

"bank_account_number": "XXX",

"bank_routing_number": "XXX",

"check_type": "Personal_check",

"account_type": "Checking",

"customer_id_type": "driver_license",

"customer_id_state": "IL",

"customer_id": "XXX",

"first_name": "XXX",

"last_name": "XXX",

"address_line1": "XXX",

"address_city": "XXX",

"address_state": "IL",

"address_zip": "XXX",

"phone": "XXX",

"email": "hi@example.com",

"agreement": {

"agreement_id": "4f77df6d-70c9-4f36-af1d-f8ad1ad7b0cc",

"type": "E_CHECK_ICA_PERSONAL_SETTLEMENT",

"locale": "en_US",

"template_data": "firstName:XXX"

}

}

}

I get the token in the response and then make a post to https://scl.clover.com/v1/charges with the token as the source and I receive the following response -

{

"message": "402 Payment Required",

"error": {

"code": "card_declined",

"message": "0 - Error - Invalid value for field",

"charge": "B11V0CCRQN5AJ",

"declineCode": "issuer_declined"

}

}

Any help would be appreciated, thank you.

ecommerce
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1 Answer

·
ebwg avatar image
ebwg answered

I figured out that I was mixing up the routing number and the account number. A more descriptive error code from Clover would have been helpful.

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