Payment types

Payment types and details.

The Bond platform supports card, ACH, and account payment types.

The transaction object contains a details object that contains the payment details. The three payment types have different sets of attributes in the details object.

For transaction type details, see Transaction types.

Card payments

The following code sample extract displays the attributes of a details object for a card transaction.

{
"details": {
    "card_id": "c5326b94-73f2-427d-b8cb-4605519da842",
    "mcc": "3542",
    "mcc_description": "Professional Services and Membership Organizations",
    "currency": "USD",
    "exchange_rate": "0.00",
    "merchant_id": "1AD18GT7744554",
    "merchant_name": "Target",
    "merchant_city": "San Mateo",
    "merchant_state": "CA",
    "merchant_country": "USA",
    "merchant_postal_code": "90210",
    "merchant_currency": "",
    "merchant_amount": "",
    "exchange_rate": "",
    "cardholder_presence": true,
    "statement_descriptor": "Target #4744",
    "arn": "000091556011",
    "fraud_rule_triggered": "spend_velocity"
    }
}

The following table describes the details attributes for a card transaction.

AttributeDescription
card_idUUID for the card.
mccNumeric value for the merchant category code. For details, see MCC Codes and Descriptions.
mcc_descriptionDescriptions for the merchant category code. For details, see MCC Codes and Descriptions.
currencyCurrency the transaction was processed in.
exchange_rateExchange rate, if applicable.
merchant_amountThe original value of the transaction before an currency conversions.
merchant_currencyISO currency for the transaction, for example USD.
merchant_idUnique identifier for the merchant.
merchant_nameName of the merchant.
merchant_cityCity the merchant resides in.
merchant_stateState the merchant resides in.
merchant_countryCountry the merchant resides in.
merchant_postal_codeZip or postal code for the merchant.
cardholder_presence
  • true if the cardholder was present when the card was swiped.
  • false if the cardholder was present when the card was swiped.
statement_descriptorDescribes the transaction.
arnARN, also called the Trace ID. Tracks a debit or credit transaction from the merchant's bank to the card holder's bank
fraud_rule_triggeredIdentifies the fraud rule, if any, for this transaction.

ACH payments

The following code sample extract displays the attributes of a details object for an ACH transaction.

{
"details": {
      "card_id": "c5326b94-73f2-427d-b8cb-4605519da842",
      "external_account_id": "51fca76f-60a0-4db1-a0b7-d98a3687fa42",
      "class_code": "WEB",
      "direction": "credit",
      "network": "same-day-ach",
      "description": "PAYROLL",
      "failure_reason": "Insufficient Funds",
      "return_code": "R01"
      }
}

The following table describes the details attributes for an ACH transaction.

AttributeDescription
card_idThe unique identifier for the card.
external_account_idThe ID of the external account linked in the ACH transfer.
class_codeA three-letter code identified by NACHA standards. See ACH Class Codes for details.
directioncredit or debit. Defines the direction of the transaction.
networkach or same-day-ach.
descriptionA 10 character description that you can include.
failure_reasonReason for the ACH failure.
return_codeThe return code defined by NACHA standards. For details, see ACH Return Codes.

Account payments

Account payments are also know as account-to-account transfers.

The following code sample extract displays the attributes of a details object for an account-to-account transaction.

{
"details": {
    "origination_account_id": "2742ff6a-7455-4066-8b45-ae12d3acca34",
    "destination_account_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
    }
 }

The following table describes the details attributes for an RDC transaction.

AttributeDescription
origination_account_idaccount_id which originated the transaction.
destination_account_idDestination account_id for the transaction.

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