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APIs/Card Verifications/
Verify an ACH account

Last updated: 11 September 2025 | Change log

ACH verification

ACH verification gives you the ability to perform a verification against a US bank account.

ACH verification request

POST https://try.access.worldpay.com/achVerifications

Example request body

ACH verification requests with mandatory fields only:

{
  "merchant": {
    "entity": "default"
  },
  "transactionReference": "1234567",
  "paymentInstrument": {
    "type": "bankAccountUS",
    "accountType": "checking",
    "accountNumber": "1234567890",
    "routingNumber": "011400495",
    "billToAddress": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "address1",
      "city": "city",
      "region": "state",
      "postalCode": "postalCode",
      "countryCode": "US",
      "telephoneNumber": "4085551212"
    }
  }
}

Descriptions of your mandatory ACH verification request parameters:

ParameterRequired?Description
merchant.entity✅Direct your verification to assist with billing, reporting and reconciliation. For more information contact your Relationship Manager. For full object descriptions see our API reference.
transactionReference✅A unique reference generated by you that is used to identify a payment throughout its lifecycle. For full object descriptions see our API reference.
paymentInstrument✅An object that contains your customer's payment details. For full object descriptions see our API reference.
paymentInstrument.type✅An object that contains your customer's payment type. The only allowed value is:
  • bankAccountUS
paymentInstrument.accountType✅An object that contains your customer's payment account type. For Personal Account possible values:

  • checking
  • savings
For Corporate Account possible values:
  • corporate
  • corporateSavings
paymentInstrument.accountNumber✅An object that contains your customer's bank account number.
paymentInstrument.routingNumber✅An object that contains your customer's bank routing number.
paymentInstrument.companyName✅An object that contains your customer's company name. This is a mandatory field for Corporate Account and must not be supplied for Personal Account.
paymentInstrument.billToAddress✅An object containing the bill to address information. Mandatory fields include:
  • address1
  • city
  • region
  • postalCode
  • countryCode
  • telephoneNumber
billToAddress.firstName✅An object that contains your customer's first name. This is a mandatory field for Personal Account.
billToAddress.lastName✅An object that contains your customer's last name. This is a mandatory field for Personal Account.

Optional fields in an ACH verification request

Optional fields and descriptions

ACH verification requests with optional and mandatory fields:

{
  "merchant": {
    "entity": "default"
  },
  "transactionReference": "1234567",
  "paymentInstrument": {
    "type": "bankAccountUS",
    "accountType": "checking",
    "accountNumber": "1234567890",
    "routingNumber": "011400495",
    "billToAddress": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "address1",
      "address2": "address2",
      "address3": "address3",
      "city": "city",
      "region": "state",
      "postalCode": "postalCode",
      "countryCode": "US",
      "telephoneNumber": "4085551212"
    }
  }
}

Descriptions of your optional ACH verification request parameters:

ParameterRequired?Description
paymentInstrument.billToAddress❌An object containing the bill to address information. Optional fields includes:
  • address2
  • address3
billToAddress.firstName❌An object that contains your customer's first name. This is an optional field for Corporate Account.
billToAddress.lastName❌An object that contains your customer's last name. This is an optional field for Corporate Account.

ACH verification response

In your response is a 201 HTTP response code and the historic outcome of the verification.

outcome:

  • verified
  • not verified
{
   "outcome":"verified",
   "checkedAt":"2021-09-27T18:02:16.475Z",
   "_links":{
      "cardVerifications: verification":{
         "href":"https://try.access.worldpay.com/cardVerifications/{resource}"
      }
   }
}