# Creates an ACH payment method

POST {{baseURL}}/v2/payment-methods/ach
This endpoint creates an ACH (automated clearing house) payment method.
The ACH account information is tokenized and stored, assigning it to the merchant.
Tokenization means the sensitive payment data, such as the ACH account number or bank account number, is submitted to Flute once.
After that, Flute assigns a non-sensitive value to paymentMethodId.
The paymentMethodId is then used as the payment reference for later transactions.
For Business ACH where the orphan caller will not supply ContactInfo on transactions, include `companyName` so the legal entity name is available at transaction time.
See Also:
To add a new card payment method, see POST /v2/payment-methods/cards.
To list payment methods, see GET /v2/payment-methods.
To retrieve a payment method by ID, see GET /v2/payment-methods/{{paymentMethodId}}.

Endpoint: POST /v2/payment-methods/ach
Version: V2 Beta
Security: Bearer

## Security:

  - `Bearer` (unknown)
    http bearer JWT

## Request fields (application/json):

  - `routingNumber` (string, required)
    Specifies the ACH's account routing number.

Example: 021000021
    Example: 021000021

  - `accountNumber` (string, required)
    Specifies the bank account number for the ACH transaction.
We recommend avoiding the use of an account number.
Instead, use `paymentMethodId` when possible.
Example: 1234567890
    Example: 1234567890

  - `taxId` (string)
    Specifies the tax identifier.

Example: 12-3456789
    Example: 12-3456789

  - `accountHolderType` (string, required)
    Identifies the holder type of the account.
Valid values are:
| Type | Description |
|  --- | --- |
| Business | Card issued to a business or company account. |
| Personal | Card issued to an individual for personal use. |

Example: Business
    Enum: "Business", "Personal"

  - `accountType` (string, required)
    Identifies the type of the account.
Valid values are:
| Type | Description |
|  --- | --- |
| Checking | Account used for regular daily transactions. |
| Savings | Account used to hold and grow funds over time. |

Example: Checking
    Enum: "Checking", "Savings"

  - `customerId` (string)
    Identifies the customer to link this payment method to.

This value may be null when this payment method is an orphan owned by the merchant directly.
An orphan payment method is a payment method in the merchant's vault but has no customer record associated with it.

Example: 8fa8e727-73c6-436e-b56f-6f55aabf3b1c
    Example: 8fa8e727-73c6-436e-b56f-6f55aabf3b1c

  - `name` (string)
    Specifies the name for the payment method.

This is a free-formed name that is convenient for the merchant to recognize.

Example: Peppared Street Cafe's Preferred Payment
    Example: Peppared Street Cafe's Preferred Payment

  - `companyName` (string)
    Specifies the name of the customer's company or organization.

This is the legal entity name.
Required for orphan Business ACH transactions when the request does not supply it on the transaction's ContactInfo.
    Example: Acme Corp Inc

## Response 200:

  - `200` (unknown)
    OK

## Response 200 fields (application/json):

  - `paymentMethodId` (string)
    Indicates the payment method identifier.

This is the identifier of a previously saved ACH account to charge.

Example: 39a95e35-6d50-45ec-884b-c2417edf005d
    Example: 39a95e35-6d50-45ec-884b-c2417edf005d

## Response 400:

  - `400` (unknown)
    Bad Request

## Response 400 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Unauthorized
    Example: Unauthorized

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Response | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

This is a unique identifier, a trace identifier, Flute attaches to a request/response pair so a single transaction can be traced end-to-end across systems and logs. 

Its intent is to support troubleshooting.
We recommend including this value when contacting support.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
This is a field on Flute's standard error response object, alongside values such as `correlationId`, `errorCode`, or `statusCode`.
It's the identifier of the specific resource the failed request was about.
Error messages may specify "Entity with ID b31fbe9f-eebb-45ce-9cae-92265389f47f does not exist or has been deleted."
When a 404 (or similar entity-specific error, like a conflict) comes back,
check `entityId` to get the exact identifier of the record that couldn't be found or matched.
This is useful for confirming which resource reference was wrong, especially if the request touched multiple identifiers at once.
Example: null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)
    Indicates a short, human-readable summary of the error category.

Example: Resource not found
    Example: Resource not found

  - `cause` (string)
    Indicates the reason the error occurred.

Example: The requested resource does not exist or has been deleted.
    Example: The requested resource does not exist or has been deleted.

  - `resolution` (string)
    Indicates the recommended action for resolving the error.

Example: Verify the resource ID is correct or retrieve a list of available resources.
    Example: Verify the resource ID is correct or retrieve a list of available resources.

  - `documentationUrl` (string)
    https://developer.flute.com/

## Response 401:

  - `401` (unknown)
    Unauthorized

## Response 401 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Unauthorized
    Example: Unauthorized

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Response | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

This is a unique identifier, a trace identifier, Flute attaches to a request/response pair so a single transaction can be traced end-to-end across systems and logs. 

Its intent is to support troubleshooting.
We recommend including this value when contacting support.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
This is a field on Flute's standard error response object, alongside values such as `correlationId`, `errorCode`, or `statusCode`.
It's the identifier of the specific resource the failed request was about.
Error messages may specify "Entity with ID b31fbe9f-eebb-45ce-9cae-92265389f47f does not exist or has been deleted."
When a 404 (or similar entity-specific error, like a conflict) comes back,
check `entityId` to get the exact identifier of the record that couldn't be found or matched.
This is useful for confirming which resource reference was wrong, especially if the request touched multiple identifiers at once.
Example: null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)
    Indicates a short, human-readable summary of the error category.

Example: Resource not found
    Example: Resource not found

  - `cause` (string)
    Indicates the reason the error occurred.

Example: The requested resource does not exist or has been deleted.
    Example: The requested resource does not exist or has been deleted.

  - `resolution` (string)
    Indicates the recommended action for resolving the error.

Example: Verify the resource ID is correct or retrieve a list of available resources.
    Example: Verify the resource ID is correct or retrieve a list of available resources.

  - `documentationUrl` (string)
    https://developer.flute.com/

## Response 403:

  - `403` (unknown)
    Forbidden

## Response 403 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Validation failed: -- Email: 'Email' is not a valid email address. Severity: Error
    Example: Validation failed: -- Email: 'Email' is not a valid email address. Severity: Error

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Status | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
Example:
null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)

  - `cause` (string)

  - `resolution` (string)

  - `documentationUrl` (string)
    https://developer.flute.com/

  - `errors` (object)

## Response 404:

  - `404` (unknown)
    Not Found

## Response 404 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Unauthorized
    Example: Unauthorized

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Response | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

This is a unique identifier, a trace identifier, Flute attaches to a request/response pair so a single transaction can be traced end-to-end across systems and logs. 

Its intent is to support troubleshooting.
We recommend including this value when contacting support.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
This is a field on Flute's standard error response object, alongside values such as `correlationId`, `errorCode`, or `statusCode`.
It's the identifier of the specific resource the failed request was about.
Error messages may specify "Entity with ID b31fbe9f-eebb-45ce-9cae-92265389f47f does not exist or has been deleted."
When a 404 (or similar entity-specific error, like a conflict) comes back,
check `entityId` to get the exact identifier of the record that couldn't be found or matched.
This is useful for confirming which resource reference was wrong, especially if the request touched multiple identifiers at once.
Example: null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)
    Indicates a short, human-readable summary of the error category.

Example: Resource not found
    Example: Resource not found

  - `cause` (string)
    Indicates the reason the error occurred.

Example: The requested resource does not exist or has been deleted.
    Example: The requested resource does not exist or has been deleted.

  - `resolution` (string)
    Indicates the recommended action for resolving the error.

Example: Verify the resource ID is correct or retrieve a list of available resources.
    Example: Verify the resource ID is correct or retrieve a list of available resources.

  - `documentationUrl` (string)
    https://developer.flute.com/

## Response 409:

  - `409` (unknown)
    Conflict

## Response 409 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Unauthorized
    Example: Unauthorized

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Response | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

This is a unique identifier, a trace identifier, Flute attaches to a request/response pair so a single transaction can be traced end-to-end across systems and logs. 

Its intent is to support troubleshooting.
We recommend including this value when contacting support.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
This is a field on Flute's standard error response object, alongside values such as `correlationId`, `errorCode`, or `statusCode`.
It's the identifier of the specific resource the failed request was about.
Error messages may specify "Entity with ID b31fbe9f-eebb-45ce-9cae-92265389f47f does not exist or has been deleted."
When a 404 (or similar entity-specific error, like a conflict) comes back,
check `entityId` to get the exact identifier of the record that couldn't be found or matched.
This is useful for confirming which resource reference was wrong, especially if the request touched multiple identifiers at once.
Example: null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)
    Indicates a short, human-readable summary of the error category.

Example: Resource not found
    Example: Resource not found

  - `cause` (string)
    Indicates the reason the error occurred.

Example: The requested resource does not exist or has been deleted.
    Example: The requested resource does not exist or has been deleted.

  - `resolution` (string)
    Indicates the recommended action for resolving the error.

Example: Verify the resource ID is correct or retrieve a list of available resources.
    Example: Verify the resource ID is correct or retrieve a list of available resources.

  - `documentationUrl` (string)
    https://developer.flute.com/

## Response 429:

  - `429` (unknown)
    Too Many Requests

## Response 429 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Unauthorized
    Example: Unauthorized

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Response | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

This is a unique identifier, a trace identifier, Flute attaches to a request/response pair so a single transaction can be traced end-to-end across systems and logs. 

Its intent is to support troubleshooting.
We recommend including this value when contacting support.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
This is a field on Flute's standard error response object, alongside values such as `correlationId`, `errorCode`, or `statusCode`.
It's the identifier of the specific resource the failed request was about.
Error messages may specify "Entity with ID b31fbe9f-eebb-45ce-9cae-92265389f47f does not exist or has been deleted."
When a 404 (or similar entity-specific error, like a conflict) comes back,
check `entityId` to get the exact identifier of the record that couldn't be found or matched.
This is useful for confirming which resource reference was wrong, especially if the request touched multiple identifiers at once.
Example: null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)
    Indicates a short, human-readable summary of the error category.

Example: Resource not found
    Example: Resource not found

  - `cause` (string)
    Indicates the reason the error occurred.

Example: The requested resource does not exist or has been deleted.
    Example: The requested resource does not exist or has been deleted.

  - `resolution` (string)
    Indicates the recommended action for resolving the error.

Example: Verify the resource ID is correct or retrieve a list of available resources.
    Example: Verify the resource ID is correct or retrieve a list of available resources.

  - `documentationUrl` (string)
    https://developer.flute.com/

## Response 500:

  - `500` (unknown)
    Internal Server Error

## Response 500 fields (application/json):

  - `details` (string)
    Indicates details about the error.

Example: Unauthorized
    Example: Unauthorized

  - `statusCode` (integer)
    Specifies the HTTP response status code.
This is the HTTP status code returned by the attempted delivery.
The following is a list of HTTP response status codes that include but are not limited to:
| HTTP Response | Meaning |
|  --- | --- |
| 200 | Delivery succeeded |
| 400 | Bad request |
| 401 | Unauthorized |
| 404 | Endpoint not found |
| 429 | Rate limited |

Example: 401
    Example: 401

  - `source` (string)
    Indicates the source of the error.
Example: <Service>
    Example: <Service>

  - `exceptionType` (string)
    Indicates the error's exception type.

Example: FluentValidation.ValidationException
    Example: FluentValidation.ValidationException

  - `correlationId` (string)
    Indicates the correlation identifier.

This is a unique identifier, a trace identifier, Flute attaches to a request/response pair so a single transaction can be traced end-to-end across systems and logs. 

Its intent is to support troubleshooting.
We recommend including this value when contacting support.

Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef
    Example: aa6cfcd0-0295-4a4c-b074-8c901f114fef

  - `entityId` (string)
    Indicates the entity identifier.
This is a field on Flute's standard error response object, alongside values such as `correlationId`, `errorCode`, or `statusCode`.
It's the identifier of the specific resource the failed request was about.
Error messages may specify "Entity with ID b31fbe9f-eebb-45ce-9cae-92265389f47f does not exist or has been deleted."
When a 404 (or similar entity-specific error, like a conflict) comes back,
check `entityId` to get the exact identifier of the record that couldn't be found or matched.
This is useful for confirming which resource reference was wrong, especially if the request touched multiple identifiers at once.
Example: null

  - `errorCode` (string)
    Indicates the error code.
Example:
null

  - `title` (string)
    Indicates a short, human-readable summary of the error category.

Example: Resource not found
    Example: Resource not found

  - `cause` (string)
    Indicates the reason the error occurred.

Example: The requested resource does not exist or has been deleted.
    Example: The requested resource does not exist or has been deleted.

  - `resolution` (string)
    Indicates the recommended action for resolving the error.

Example: Verify the resource ID is correct or retrieve a list of available resources.
    Example: Verify the resource ID is correct or retrieve a list of available resources.

  - `documentationUrl` (string)
    https://developer.flute.com/