Payment types

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 require 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.

Attribute	Description
`card_id`	UUID for the card.
`mcc`	Numeric value for the merchant category code. For details, see MCC Codes and Descriptions.
`mcc_description`	Descriptions for the merchant category code. For details, see MCC Codes and Descriptions.
`currency`	Currency the transaction was processed in.
`exchange_rate`	Exchange rate, if applicable.
`merchant_amount`	The original value of the transaction before an currency conversions.
`merchant_currency`	ISO currency for the transaction, for example USD.
`merchant_id`	Unique identifier for the merchant.
`merchant_name`	Name of the merchant.
`merchant_city`	City the merchant resides in.
`merchant_state`	State the merchant resides in.
`merchant_country`	Country the merchant resides in.
`merchant_postal_code`	Zip 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_descriptor`	Describes the transaction.
`arn`	ARN, also called the Trace ID. Tracks a debit or credit transaction from the merchant's bank to the card holder's bank
`fraud_rule_triggered`	Identifies 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.

Attribute	Description
`card_id`	The unique identifier for the card.
`external_account_id`	The ID of the external account linked in the ACH transfer.
`class_code`	A three-letter code identified by NACHA standards. See ACH Class Codes for details.
`direction`	`credit` or `debit`. Defines the direction of the transaction.
`network`	`ach` or `same-day-ach`.
`description`	A 10 character description that you can include.
`failure_reason`	Reason for the ACH failure.
`return_code`	The return code defined by NACHA standards. For details, see ACH Return Codes.

Account payments

Account payments are also know as card-to-card payments.

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

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

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

Attribute	Description
`origination_card_id`	`card_id` which originated the transaction.
`destination_card_id`	Destination `card_id` for the transaction.