Charges: collect ACH bank payments

curl -X POST https://sandbox.straddle.com/v1/charges \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "paykey": "pk_abc123xyz",
    "amount": 10000,
    "currency": "USD",
    "description": "Monthly subscription - October 2024",
    "payment_date": "2024-10-01",
    "consent_type": "internet",
    "device": {
      "ip_address": "192.168.1.1"
    },
    "external_id": "inv_12345",
    "config": {
      "balance_check": "enabled"
    }
  }'

const charge = await straddle.charges.create({
  paykey: "pk_abc123xyz",
  amount: 10000,
  currency: "USD",
  description: "Monthly subscription - October 2024",
  payment_date: "2024-10-01",
  consent_type: "internet",
  device: {
    ip_address: "192.168.1.1"
  },
  external_id: "inv_12345",
  config: {
    balance_check: "enabled"
  }
});

charge = straddle.charges.create(
    paykey="pk_abc123xyz",
    amount=10000,
    currency="USD",
    description="Monthly subscription - October 2024",
    payment_date="2024-10-01",
    consent_type="internet",
    device={
        "ip_address": "192.168.1.1"
    },
    external_id="inv_12345",
    config={
        "balance_check": "enabled"
    }
)

{
  "meta": {
    "api_request_id": "3a2b1c4d-0e6f-4a88-9876-123456abcdef",
    "api_request_timestamp": "2024-10-01T10:00:00Z"
  },
  "response_type": "object",
  "data": {
    "id": "ch_def456abc",
    "paykey": "pk_abc123xyz",
    "amount": 10000,
    "currency": "USD",
    "description": "Monthly subscription - October 2024",
    "payment_date": "2024-10-01",
    "status": "created",
    "status_details": {
      "message": "Payment successfully created and awaiting validation.",
      "reason": "ok",
      "source": "system",
      "changed_at": "2024-10-01T10:00:00Z"
    },
    "external_id": "inv_12345",
    "consent_type": "internet",
    "device": {
      "ip_address": "192.168.1.1"
    },
    "config": {
      "balance_check": "enabled"
    },
    "metadata": {},
    "created_at": "2024-10-01T10:00:00Z",
    "updated_at": "2024-10-01T10:00:00Z"
  }
}

{
  "meta": {
    "api_request_id": "f1b1b1b1-1b1b-1b1b-1b1b-1b1b1b1b1b1b"
  },
  "response_type": "error",
  "error": {
    "status": 400,
    "type": "validation_error",
    "title": "Invalid Input Data",
    "detail": "The request contains invalid field values.",
    "items": [
      {
        "reference": "paykey",
        "detail": "The provided paykey is invalid or expired."
      }
    ]
  }
}

Charges are debit transactions that pull funds from a customer’s bank account through the ACH network. This guide covers the complete charge lifecycle—from creation through settlement—including status management, balance verification, and handling returns.

Charges are ACH debit transactions that require proper customer authorization. Understanding ACH basics helps ensure compliant implementation and reduces return rates.

What You’ll Learn

This comprehensive guide will walk you through:

Creating charges with required fields and optional configurations
Understanding the payment status lifecycle and when charges can be modified
Implementing balance verification to reduce NSF failures
Handling failures and returns with specific reason codes
Managing charges through hold, release, and cancellation operations
Testing charge scenarios in sandbox before production

Whether you’re implementing subscription billing, one-time purchases, invoice collection, or account funding, this guide provides the patterns and best practices for successful charge implementation.

Charges require a paykey - a token representing a verified bank account. Learn about connecting bank accounts in the Bridge guide.

The Charge Object

A charge represents a debit transaction with comprehensive status tracking and metadata:

{
  "id": "ch_def456abc",
  "paykey": "pk_abc123xyz",
  "amount": 10000,
  "currency": "USD",
  "description": "Monthly subscription - October 2024",
  "payment_date": "2024-10-01",
  "status": "paid",
  "status_details": {
    "message": "Payment successfully completed",
    "reason": "ok",
    "source": "system",
    "code": null,
    "changed_at": "2024-10-03T09:00:00Z"
  },
  "external_id": "inv_12345",
  "consent_type": "internet",
  "device": {
    "ip_address": "192.168.1.1"
  },
  "config": {
    "balance_check": "enabled"
  },
  "metadata": {
    "order_id": "ord_789",
    "customer_ref": "cust_456"
  },
  "payment_rail": "ACH",
  "paykey_details": {
    "bank_name": "Chase Bank",
    "last4": "6789",
    "account_type": "checking"
  },
  "customer_details": {
    "name": "John Doe",
    "email": "[email protected]"
  },
  "trace_number": "071000301234567",
  "funding_ids": ["fe_abc123"],
  "status_history": [...],
  "created_at": "2024-10-01T10:00:00Z",
  "updated_at": "2024-10-03T09:00:00Z"
}

Core Fields

Field	Type	Description
`id`	string	Unique charge identifier
`paykey`	string	Token for customer’s bank account
`amount`	integer	Amount in cents (10000 = $100.00)
`currency`	string	Currency code (USD only)
`description`	string	Statement descriptor
`payment_date`	string	Processing date (YYYY-MM-DD)
`status`	string	Current payment status
`status_details`	object	Detailed status information
`external_id`	string	Your unique reference
`consent_type`	string	How consent was obtained
`trace_number`	string	ACH network tracking number
`funding_ids`	array	Related settlement events

Creating a Charge

View detailed schema and request information on the Create a Charge API Reference

curl -X POST https://sandbox.straddle.com/v1/charges \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "paykey": "pk_abc123xyz",
    "amount": 10000,
    "currency": "USD",
    "description": "Monthly subscription - October 2024",
    "payment_date": "2024-10-01",
    "consent_type": "internet",
    "device": {
      "ip_address": "192.168.1.1"
    },
    "external_id": "inv_12345",
    "config": {
      "balance_check": "enabled"
    }
  }'

const charge = await straddle.charges.create({
  paykey: "pk_abc123xyz",
  amount: 10000,
  currency: "USD",
  description: "Monthly subscription - October 2024",
  payment_date: "2024-10-01",
  consent_type: "internet",
  device: {
    ip_address: "192.168.1.1"
  },
  external_id: "inv_12345",
  config: {
    balance_check: "enabled"
  }
});

charge = straddle.charges.create(
    paykey="pk_abc123xyz",
    amount=10000,
    currency="USD",
    description="Monthly subscription - October 2024",
    payment_date="2024-10-01",
    consent_type="internet",
    device={
        "ip_address": "192.168.1.1"
    },
    external_id="inv_12345",
    config={
        "balance_check": "enabled"
    }
)

{
  "meta": {
    "api_request_id": "3a2b1c4d-0e6f-4a88-9876-123456abcdef",
    "api_request_timestamp": "2024-10-01T10:00:00Z"
  },
  "response_type": "object",
  "data": {
    "id": "ch_def456abc",
    "paykey": "pk_abc123xyz",
    "amount": 10000,
    "currency": "USD",
    "description": "Monthly subscription - October 2024",
    "payment_date": "2024-10-01",
    "status": "created",
    "status_details": {
      "message": "Payment successfully created and awaiting validation.",
      "reason": "ok",
      "source": "system",
      "changed_at": "2024-10-01T10:00:00Z"
    },
    "external_id": "inv_12345",
    "consent_type": "internet",
    "device": {
      "ip_address": "192.168.1.1"
    },
    "config": {
      "balance_check": "enabled"
    },
    "metadata": {},
    "created_at": "2024-10-01T10:00:00Z",
    "updated_at": "2024-10-01T10:00:00Z"
  }
}

{
  "meta": {
    "api_request_id": "f1b1b1b1-1b1b-1b1b-1b1b-1b1b1b1b1b1b"
  },
  "response_type": "error",
  "error": {
    "status": 400,
    "type": "validation_error",
    "title": "Invalid Input Data",
    "detail": "The request contains invalid field values.",
    "items": [
      {
        "reference": "paykey",
        "detail": "The provided paykey is invalid or expired."
      }
    ]
  }
}

Required Parameters

paykey

string

required

Payment key for the customer’s verified bank account. Obtained via Bridge flow.

amount

integer

required

Amount to charge in cents. Must be positive. Example: 10000 for $100.00

currency

string

required

ISO 4217 currency code. Currently only "USD" is supported.

description

string

required

Description appearing on bank statements. Maximum 80 characters. Be clear and recognizable.

payment_date

string

required

Date to process payment (YYYY-MM-DD). Can be today or future-dated up to 90 days.

How customer consent was obtained:

"internet" - Online or mobile app authorization
"signed" - Signed agreement or contract
"telephone" - Phone authorization

Learn more about authorization requirements and the difference between internet vs. contract authorization for ACH compliance.

device

object

required

Customer device information for fraud prevention.

Show Device object

ip_address

string

required

Customer’s IP address at authorization time. Use "0.0.0.0" for offline consent.

external_id

string

required

Your unique identifier for this charge. Must be unique across all charges. Used for idempotency.

config

object

required

Processing configuration options.

Show Config object

balance_check

string

required

Balance verification mode:

"enabled" - Attempts check, proceeds if unavailable (recommended)
"required" - Must verify balance to proceed
"disabled" - No verification attempted

sandbox_outcome

string

For testing only. Simulates specific outcomes in sandbox environment.

Optional Parameters

metadata

object

Custom key-value pairs. Maximum 20 keys, 40 characters per key/value.

Payment Status Lifecycle

Charges progress through these statuses:

Status	Description	Can Modify?
`created`	Initial state, awaiting verification	✅ Yes
`scheduled`	Verified and queued for processing	✅ Yes
`pending`	Sent to payment network	❌ No
`paid`	Successfully completed	❌ No
`failed`	Declined before funding	❌ Terminal
`reversed`	Returned after funding	❌ Terminal
`cancelled`	Stopped before network submission	❌ Terminal
`on_hold`	Paused for review	⚠️ Depends

Critical: Once a charge reaches pending status, it has been submitted to the payment network and CANNOT be stopped, held, or cancelled.

Status Details

Every status change includes detailed information:

"status_details": {
  "message": "Payment failed due to insufficient funds",
  "reason": "insufficient_funds",
  "source": "bank_decline",
  "code": "R01",
  "changed_at": "2024-10-02T14:30:00Z"
}

Field	Description
`message`	Human-readable explanation
`reason`	Machine-readable reason code
`source`	Where the status change originated
`code`	ACH return code (when applicable)
`changed_at`	When the status changed

For complete status reasons and ACH codes, see Payment Statuses Guide. Learn about ACH return codes and NACHA compliance for better error handling.

Common Operations

Retrieve a Charge

curl -X GET https://sandbox.straddle.com/v1/charges/{charge_id} \
  -H "Authorization: Bearer YOUR_API_KEY"

Update a Charge

Update charges in created or scheduled status:

curl -X PUT https://sandbox.straddle.com/v1/charges/{charge_id} \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 15000,
    "description": "Updated amount - Monthly subscription",
...

  }'

Cancel a Charge

Cancel charges before they reach pending status:

curl -X POST https://sandbox.straddle.com/v1/charges/{charge_id}/cancel \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "reason": "Customer requested cancellation"
  }'

Place on Hold

Pause a charge for review (only in created or scheduled status):

curl -X POST https://sandbox.straddle.com/v1/charges/{charge_id}/hold \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "reason": "Awaiting inventory confirmation"
  }'

Release a Hold

Release user-initiated holds only:

curl -X POST https://sandbox.straddle.com/v1/charges/{charge_id}/release \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "reason": "Inventory confirmed"
  }'

System holds (watchtower source) cannot be released via API. They require manual review in the dashboard.

Resubmit a Charge

Re-attempt a charge using the resubmit endpoint. This creates a new transaction that inherits the original payment’s details.

curl -X POST https://api.straddle.com/v1/charges/{id}/resubmit \
     -H "Authorization: Bearer YOUR_SECRET_KEY" \
     -H "Content-Type: application/json" \
     -d '{
       "payment_date": "2026-03-01",
       "description": "Customer requested retry after payday",
       "external_id": "my-custom-external-id"
     }'

Balance Verification

Balance checks help reduce NSF returns:

Mode	Behavior	Use Case
`enabled`	Attempts check, proceeds if unavailable	Recommended - Best balance
`required`	Must verify balance to proceed	High-value transactions
`disabled`	No verification attempted	Future-dated charges

Balance verification is part of Straddle’s account validation process that helps reduce NSF returns and improve payment success rates.

required will fail charges if:

The paykey was created with manual bank account entry
The bank doesn’t provide balance information
Balance service is temporarily unavailable

Handling Failures

When charges fail, check status_details for specific information:

if (charge.status === 'failed') {
  switch(charge.status_details.reason) {
    case 'insufficient_funds':
      // Retry after notifying customer
      break;
    case 'closed_bank_account':
      // Request new payment method
      break;
    case 'disputed':
      // Do not retry - investigate
      break;
    case 'risk_review':
      // Compliance review needed
      break;
  }
}

Testing in Sandbox

Use sandbox_outcome in the config to simulate scenarios:

{
  "paykey": "pk_test123",
  "amount": 5000,
  "config": {
    "balance_check": "enabled",
    "sandbox_outcome": "paid"  // or "failed_insufficient_funds", etc.
  }
  // ... other required fields
}

Common test scenarios:

"paid" - Successful charge
"failed_insufficient_funds" - NSF failure
"on_hold_daily_limit" - Risk hold
"reversed_customer_dispute" - Post-funding reversal

Webhooks

Set up webhooks to receive real-time charge updates

Best Practices

Use Idempotency

Always include a unique external_id to prevent duplicate charges

Monitor Status Changes

Set up webhooks to track payment lifecycle in real-time

Handle Failures Gracefully

Implement retry logic for transient failures like NSF

Test Thoroughly

Use sandbox to test all failure scenarios before production

Next Steps

API Reference

Complete charge endpoint documentation

Payment Statuses

Detailed status flows and ACH codes

Payouts Guide

Learn about sending money to customers

Webhooks

Set up real-time notifications

Payments overview

Payouts: send funds to bank accounts

⌘I

​What You’ll Learn

​The Charge Object

​Core Fields

​Creating a Charge

​Required Parameters

​Optional Parameters

​Payment Status Lifecycle

​Status Details

​Common Operations

​Retrieve a Charge

​Update a Charge

​Cancel a Charge

​Place on Hold

​Release a Hold

​Resubmit a Charge

​Balance Verification

​Handling Failures

​Testing in Sandbox

​Webhooks

​Best Practices

Use Idempotency

Monitor Status Changes

Handle Failures Gracefully

Test Thoroughly

​Next Steps

API Reference

Payment Statuses

Payouts Guide

Webhooks

What You’ll Learn

The Charge Object

Core Fields

Creating a Charge

Required Parameters

Optional Parameters

Payment Status Lifecycle

Status Details

Common Operations

Retrieve a Charge

Update a Charge

Cancel a Charge

Place on Hold

Release a Hold

Resubmit a Charge

Balance Verification

Handling Failures

Testing in Sandbox

Webhooks

Best Practices

Next Steps