ACH Origination | API Documentation

Use the ACH Origination API to submit a payment. This API is more than a single action. With the ACH Origination API, you can submit a payment, check on its status, and undo a request.

Request a payment

The ACH Origination process starts with a payment request made by a financial institution or client. Request values are validated to make sure the input matches the correct schema for the SEC code. Effective date and other data, like the trace number, are automatically assigned. Records from the batch, detail, and addenda schemas are stored for the consolidation process.

This request generates a batch response that includes the status and payment details by SEC code. You can include up to ten accounts with each request. For each submitted request, you can check on the status and progress of the payment or addenda report.

Addenda information

Each SEC code will include addenda information with the response, except for TEL. If an addenda item returns a large set of records (common with CTX), it initiates the addenda request. This request adds additional addenda records to a detail item. Currently, only details that are associated to a batch having a CTX SEC code can have additional addenda records added.

Prerequisites and best practices

KeyBank has some common prerequisites and best practices. All KeyBank APIs require certifications, user credentials, and certain permissions. Make sure to satisfy all prerequisites before building your API.

Follow these steps to prepare for operations:

Have valid certificates for a secure connection.
Make sure you have the API keys needed for basic authentication and API access.
Request a bearer token before you start.
Check the health of the API.
Create a UUID.
Have the required client information fields for calls using a SEC code, provided by KeyBank.
Know the SEC code.
Get a trace number.

Certificates

Certificates are a digital authentication method we use to encrypt the information exchanged between KeyBank and your app or service. To access KeyBank environments, you must exchange valid certificates with KeyBank. These certificates must be properly installed on your system before you start to send API calls.

API keys

You need API keys to get a bearer token and to grant access to the APIs and the Pre-Production or Production environments. These API keys are created only for authenticated users that have partnered with KeyBank. For more information, see API security or sign up to become a KeyBank API consumer.

Bearer token

Get a bearer token before you start. Only authenticated users with client credentials can request a bearer token. For more information, see API security or sign up to become a KeyBank API consumer.

Health check

Before you start building your API, perform a quick health check. A health check verifies that the API is operational and responding correctly with your system. A bearer token is required to perform a health check. For more information, see Health check.

Create a UUID

UUID stands for Universally Unique Identifier. This is a useful attribute to recall a transaction before the next batch cycle runs. Since the UUID field is required to undo an ACH payment request, KeyBank strongly encourages the UUID is included with all ACH Origination calls.

You create this value. The can be an alphanumeric value with a maximum length of 45 characters. For example, a random UUID value can be 5ea39056-49gb-4714-b941-e52b1bec7. The batch and the individual UUID can be the same. KeyBank recommends that you use different UUID values.

Client information

After you have completed the onboarding process with KeyBank, KeyBank provides the client (point) and client account (colllectionApplicationId, collectionApplicationType) information via secure email. These fields are required for any ACH Origination call with a SEC code.

SEC code

In the request payload, you must specify the Standard Entry Class (SEC) code for the transaction. The ACH Origination API supports these SEC codes: CCD, CTX, IAT, PPD, TEL, WEB.

SEC CODE	DEFINITION	DESCRIPTION
CCD	Corporate Credit or Debit	A CCD entry can be either a buyer-initiated or seller-initiated transaction used to move funds between the buyer’s and seller’s financial institution accounts. It is also used by companies to move funds from outlying depository locations to a central bank account. A CCD entry is typically used when paying for one item, since there is no mechanism for transmitting addenda.
CTX	Corporate Trade Exchange	A CTX entry is like a CCD entry, but it supports including multiple addenda.
IAT	International ACH Transactions	An IAT entry is a debit or credit payment transaction involving a financial agency’s office that is not located in the territorial jurisdiction of the United States.
PPD	Prearranged Payment and Deposit	A PPD entry is a credit or debit entry originated by an organization to a consumer’s account, based on a standing or single-entry authorization from that consumer. A PPD entry supports including one addendum.
TEL	Telephone Initiated Entries	TEL entries are initiated in response to a receiver’s oral authorization that is spoken over the telephone. These entries can be debit only.
WEB	Internet Initiated/Mobile Entries	WEB entries are entries transmitted to a consumer receiver’s account. These entries can be either debits or credits. WEB entries can be either recurring or non-recurring transactions.

Trace number

You get a trace number after you initiate an ACH transaction. The trace number is a unique identifier for an ACH transaction generated by the API. The trace number is useful for transaction inquiries and traceability. Save this trace number if you intend to check on the progress of the ACH transaction. For multiple payment requests, the trace number may not be in sequential order.

Endpoints

Endpoint	Result	Description
post /ach/payments/v1/status	Check the status of a payment	Return status of one or more Detail Item(s).
post /ach/payments/v1/status/addenda	Check the status of addenda records	Check the status for large addenda reports.
post /ach/payments/v1/ccd	Send a payment	ACH payment origination for credit or debits.
post /ach/payments/v1/ctx	Send a payment between two businesses	Submit a payment from one business/entity to another.
post /ach/payments/v1/ppd	Send a payment from written authorization	Submit a payment based on terms of service, like a subscription or membership.
post /ach/payments/v1/tel	Send a payment over the phone	Authorize and submit a payment by the phone.
post /ach/payments/v1/web	Send a payment on a website	Authorize and submit a payment on a website.
post /ach/payments/v1/undo	Undo a payment request	Reverse a payment request before it enters consolidation.
post /ach/payments/v1/addenda	Send additional addenda information	Add records to an existing ACH transaction.

Check the status of a payment request

post /ach/payments/v1/status

Check the return status of one or more transactions. Use this request to see if the originated item failed, was accepted, is waiting for one or more addenda items, or is being processed.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
detailStatusoptional	array	paymentInquiryDetailRequest

Request example

{
    "detailStatus": [
        {
            "uuid": "qas220602x-49eb-47664-b94rhd1-e52e2re11001"
        }
    ]
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
detailsoptional	array	detailStatusResponse

Missing data

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided. Please verify the data and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Please make sure you're using the correct credentials. Then log in again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "You don't have access to this resource. Contact developers@keybank.com for more information.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "We can't seem to find what you're looking for. Please verify the resource and try again.",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "details": {
            "uuid": "qas220602x-49eb-47664-b94rhd1-e52e2re11001",
            "status": "notFound",
            "errorMessages": {
                "code": "1003040-66E",
                "moreInfo": "Detail transaction not found."
            },
            "informationMessages": "",
            "traceNumber": "null"
        }
    }
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Looks like something went wrong. Please check your request method and try again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "We currently don't support that format. Please check the format type defined in your request and try again. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Looks like you've sent too many requests. Please wait a moment and try again later.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Looks like something went wrong. Please try again when you're ready. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Looks like something went wrong. Submit your request again. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service(Unexpected EOF at target), please check with appplication support team before resubmitting the request."
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Looks like something went wrong. Please contact developers@keybank.com for more information and try again later.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable. Please check with appplication support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Your request took too long to process. Please try again. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time. Please wait a moment and resubmit the request."
    }
}

Check the status of addenda records

post /ach/payments/v1/status/addenda

Check the return status of one or more addenda records.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pageSizeoptional	string	The number of records to be returned in the pagination search.
startAddendaSequenceNumberoptional	string	The starting number for the addenda record sequence.

Request example

{
    "uuid": "qas220517x-49eb-47664-b94rhd1-e52e2re13001",
    "pageSize": "10",
    "startAddendaSequenceNumber": "0001"
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
uuidoptional	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The status of the batch can be accepted or rejected.
errorMessagesoptional	array	detailMessage
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.
informationMessagesoptional	array	detailMessage
addendaoptional	array	baseAddendaDetailResponse

Response example (200)

{
    "uuid": "qas220517x-49eb-47664-b94rhd1-e52e2re13001",
    "status": "accepted",
    "traceNumber": "041001030009004",
    "informationMessages": [
        {
            "code": "1002040-50I",
            "moreInfo": "All addenda have been received."
        }
    ],
    "errorMessages": [],
    "addenda": [
        {
            "addendaTypeCode": "05",
            "addendaSequenceNumber": "0001",
            "paymentRelatedInformation": "Undo WEB PAYMENT GOOD ITEM"
        }
    ]
}

Missing data

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided. Please verify the data and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Please make sure you're using the correct credentials. Then log in again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "You don't have access to this resource. Contact developers@keybank.com for more information.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "We can't seem to find what you're looking for. Please verify the resource and try again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Looks like something went wrong. Please check your request method and try again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "We currently don't support that format. Please check the format type defined in your request and try again. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Looks like you've sent too many requests. Please wait a moment and try again later.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Looks like something went wrong. Please try again when you're ready. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Looks like something went wrong. Submit your request again. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service (unexpected end of file at target). Please check with appplication support team before resubmitting the request"
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Looks like something went wrong. Please contact developers@keybank.com for more information and try again later.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable. Please check with appplication support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Your request took too long to process. Please try again. Contact developers@keybank.com if you experience more issues.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time. Please wait a moment and resubmit the request."
    }
}

Send a payment

post /ach/payments/v1/ccd

Send a payment for an item. This call originates an ACH transaction for SEC code CCD (Corporate Credit or Debit). Use this request to send cash, debit, or credit transactions between the buyer and seller financial institution accounts. This can also be used by companies to move funds and deposit to a central bank account.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
batchrequired	Object	batchRequestCCDDetailRequest

Request example

{
    "batch": {
        "collectionApplicationId": "TEST",
        "point": "APITEST1",
        "secCode": "CCD",
        "uuid": "daily001-qas230109-010300-005",
        "collectionApplicationType": "",
        "effectiveDate": "230211",
        "companyDescriptiveDate": "230211",
        "companyEntryDescription": "Payroll",
        "details": [
            {
                "DFIAccountNumber": "123456",
                "accountType": "C",
                "amount": "0.01",
                "checkDigit": "9",
                "creditDebitCode": "C",
                "receivingCompanyName": "ProdTest001",
                "receivingDFIId": "04100103",
                "transactionType": "L",
                "uuid": "daily001-qas230109-010301-0026",
                "identificationNumber": "517220101A",
                "discretionaryData": "AB",
                "addenda": [
                    {
                        "paymentRelatedInformation": "DAILYTEST0103A"
                    }
                ]
            }
        ]
    }
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
batchrequired	Object	acceptedBatchResponseAcceptedDetailResponse

Response example (200)

{
    "batch": {
        "uuid": "daily001-qas230109-010300-005",
        "status": "accepted",
        "requestAcceptedUTCTime": "2023-05-03T17:04:03Z",
        "effectiveDate": "230211",
        "informationMessages": [
            {
                "code": "1006040-65I",
                "moreInfo": "Effective date assigned 230211."
            }
        ],
        "errorMessages": [],
        "details": [
            {
                "uuid": "daily001-qas230109-010301-0026",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030013025",
                "requestAcceptedUTCTime": "2023-05-03T17:04:03Z",
                "addenda": [
                    {
                        "status": "accepted",
                        "errorMessages": [],
                        "informationMessages": []
                    }
                ]
            }
        ]
    }
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided. Please verify the data and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized. Please provide valid credentials.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found. Please verify the resource and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed. Please verify the method and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed. Please verify the media type and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached. Please wait 2 minutes and resubmit the request again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service. Please check with application support team before resubmitting the request.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service (unexpected end of file at target). Please check with application support team before resubmitting the request."
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable (NoActiveTargets). Please check with application support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
    }
}

Send a payment between two businesses

post /ach/payments/v1/ctx

Submit a payment from one business/entity to another.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
batchrequired	Object	batchRequestCTXDetailRequest

Request example

{
    "batch": {
        "collectionApplicationId": "TEST2",
        "point": "APITEST1",
        "secCode": "CTX",
        "uuid": "test3c377-bat338-ctxf-bcd6fehdd0-031103",
        "collectionApplicationType": "",
        "effectiveDate": "230411",
        "companyDescriptiveDate": "230411",
        "companyEntryDescription": "Payroll",
        "details": [
            {
                "DFIAccountNumber": "111011",
                "accountType": "S",
                "checkDigit": "0",
                "creditDebitCode": "C",
                "numberOfAddendaRecords": "1",
                "receivingCompanyNameIDNumber": "YourTest301",
                "receivingDFIId": "06100001",
                "totalAmount": "1.31",
                "transactionType": "L",
                "uuid": "test3c377-det338-ctxf-dcd6fehdd0-030104",
                "identificationNumber": "1123456789",
                "discretionaryData": "AK",
                "addenda": [
                    {
                        "paymentRelatedInformation": "YourTest03.01"
                    }
                ]
            }
        ]
    }
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
batchrequired	Object	acceptedBatchResponseAcceptedDetailResponse

Response example (200)

{
    "batch": {
        "uuid": "test3c377-bat338-ctxf-bcd6fehdd0-031103",
        "status": "accepted",
        "requestAcceptedUTCTime": "2023-05-03T17:06:02Z",
        "effectiveDate": "230411",
        "informationMessages": [
            {
                "code": "1006040-65I",
                "moreInfo": "Effective date assigned 230411."
            }
        ],
        "errorMessages": [],
        "details": [
            {
                "uuid": "test3c377-det338-ctxf-dcd6fehdd0-030104",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030013026",
                "requestAcceptedUTCTime": "2023-05-03T17:06:02Z",
                "addenda": [
                    {
                        "status": "accepted",
                        "errorMessages": [],
                        "informationMessages": []
                    }
                ]
            }
        ]
    }
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided. Please verify the data and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized. Please provide valid credentials.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found. Please verify the resource and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed. Please verify the method and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed. Please verify the media type and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached. Please wait 2 minutes and resubmit the request again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service. Please check with application support team before resubmitting the request.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service (unexpected end of file at target). Please check with application support team before resubmitting the request."
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable (NoActiveTargets). Please check with application support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
    }
}

Send a payment from written authorization

post /ach/payments/v1/ppd

Submit a payment based on terms of service, like a subscription or membership.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
batchrequired	Object	batchRequestPPDDetailRequest

Request example

{
    "batch": {
        "collectionApplicationId": "TEST",
        "point": "APITEST1",
        "secCode": "PPD",
        "uuid": "qas22517-4d3338-4c6f-bcd6fehdd0-1234360",
        "collectionApplicationType": "",
        "effectiveDate": "230211",
        "companyDescriptiveDate": "230211",
        "companyEntryDescription": "Payroll",
        "details": [
            {
                "DFIAccountNumber": "123456789",
                "accountType": "S",
                "amount": "520.25",
                "checkDigit": "9",
                "creditDebitCode": "C",
                "individualName": "QASTest005",
                "receivingDFIId": "04100103",
                "transactionType": "L",
                "uuid": "qas220330A-49eb-47664-b94rhd1-12361",
                "individualIdentificationNumber": "517220202A",
                "discretionaryData": "AB",
                "addenda": [
                    {
                        "paymentRelatedInformation": "QASTest02.02A"
                    }
                ]
            },
            {
                "DFIAccountNumber": "234567891",
                "accountType": "S",
                "amount": "0.00",
                "checkDigit": "2",
                "creditDebitCode": "C",
                "individualName": "QASTest006",
                "receivingDFIId": "24107121",
                "transactionType": "P",
                "uuid": "qas220330A-49eb-47664-b94rhd1-12362",
                "individualIdentificationNumber": "517220202B",
                "discretionaryData": "BC"
            },
            {
                "DFIAccountNumber": "345678912",
                "accountType": "S",
                "amount": "1794.91",
                "checkDigit": "2",
                "creditDebitCode": "D",
                "individualName": "QASTest006",
                "receivingDFIId": "24107121",
                "transactionType": "L",
                "uuid": "qas220330A-49eb-47664-b94rhd1-12363",
                "individualIdentificationNumber": "517220202C",
                "discretionaryData": "BC",
                "addenda": [
                    {
                        "paymentRelatedInformation": "QASTest02.02C"
                    }
                ]
            }
        ]
    }
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
batchrequired	Object	acceptedBatchResponseAcceptedDetailResponse

Response example (200)

{
    "batch": {
        "uuid": "qas22517-4d3338-4c6f-bcd6fehdd0-1234360",
        "status": "accepted",
        "requestAcceptedUTCTime": "2023-05-03T17:08:45Z",
        "effectiveDate": "230211",
        "informationMessages": [
            {
                "code": "1006040-65I",
                "moreInfo": "Effective date assigned 230211."
            }
        ],
        "errorMessages": [],
        "details": [
            {
                "uuid": "qas220330A-49eb-47664-b94rhd1-12361",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030012784",
                "requestAcceptedUTCTime": "2023-05-03T17:08:45Z",
                "addenda": [
                    {
                        "status": "accepted",
                        "errorMessages": [],
                        "informationMessages": []
                    }
                ]
            },
            {
                "uuid": "qas220330A-49eb-47664-b94rhd1-12362",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030012785",
                "requestAcceptedUTCTime": "2023-05-03T17:08:45Z"
            },
            {
                "uuid": "qas220330A-49eb-47664-b94rhd1-12363",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030012786",
                "requestAcceptedUTCTime": "2023-05-03T17:08:45Z",
                "addenda": [
                    {
                        "status": "accepted",
                        "errorMessages": [],
                        "informationMessages": []
                    }
                ]
            }
        ]
    }
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided, please verify the data and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized, please provide valid credentials",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service, please check with appplication support team before resubmitting the request",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service(Unexpected EOF at target), please check with appplication support team before resubmitting the request"
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable(NoActiveTargets), please check with appplication support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time(GatewayTimeout), please wait a moment and resubmit the request."
    }
}

Send a payment over the phone

post /ach/payments/v1/tel

Authorize and submit a payment by the phone.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
batchrequired	Object	batchRequestTELDetailRequest

Request example

{
    "batch": {
        "collectionApplicationId": "TEST",
        "point": "APITEST1",
        "secCode": "TEL",
        "uuid": "qas22523-4d3338-4c6f-bcd6fehdd0-12349",
        "collectionApplicationType": "",
        "effectiveDate": "230211",
        "companyDescriptiveDate": "230211",
        "companyEntryDescription": "Payroll",
        "details": [
            {
                "DFIAccountNumber": "1234567890123452",
                "accountType": "C",
                "amount": "5963.88",
                "checkDigit": "0",
                "creditDebitCode": "D",
                "individualName": "QASTest014",
                "receivingDFIId": "06100001",
                "transactionType": "L",
                "uuid": "qas22523-f76-44eb-a7014041047",
                "individualIdentificationNumber": "317220401",
                "paymentTypeCode": "R"
            }
        ]
    }
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
batchrequired	Object	acceptedBatchResponseAcceptedDetailResponse

Response example (200)

{
    "batch": {
        "uuid": "qas22523-4d3338-4c6f-bcd6fehdd0-12349",
        "status": "accepted",
        "requestAcceptedUTCTime": "2023-05-03T17:10:58Z",
        "effectiveDate": "230211",
        "informationMessages": [
            {
                "code": "1006040-65I",
                "moreInfo": "Effective date assigned 230211."
            }
        ],
        "errorMessages": [],
        "details": [
            {
                "uuid": "qas22523-f76-44eb-a7014041047",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030013030",
                "requestAcceptedUTCTime": "2023-05-03T17:10:58Z"
            }
        ]
    }
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided, please verify the data and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized, please provide valid credentials",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service, please check with appplication support team before resubmitting the request",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service(Unexpected EOF at target), please check with appplication support team before resubmitting the request"
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable(NoActiveTargets), please check with appplication support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time(GatewayTimeout), please wait a moment and resubmit the request."
    }
}

Send a payment on a website

post /ach/payments/v1/web

Authorize and submit a payment on a website.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
batchrequired	Object	batchRequestWEBDetailRequest

Request example

{
    "batch": {
        "collectionApplicationId": "TEST",
        "point": "APITEST1",
        "secCode": "WEB",
        "uuid": "qas22523-4d3338-4c6f-bcd6fehdd0-41033",
        "collectionApplicationType": "",
        "effectiveDate": "230211",
        "companyDescriptiveDate": "",
        "companyEntryDescription": "Payroll",
        "details": [
            {
                "DFIAccountNumber": "123546789",
                "accountType": "C",
                "amount": "0.00",
                "checkDigit": "0",
                "creditDebitCode": "D",
                "individualName": "QASTest014",
                "receivingDFIId": "06100001",
                "transactionType": "P",
                "uuid": "qas22523-f76-44eb-a7014041034",
                "individualIdentificationNumber": "317220401",
                "paymentTypeCode": "R",
                "addenda": [
                    {
                        "paymentRelatedInformation": "DAILYTEST0103A"
                    }
                ]
            }
        ]
    }
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
batchrequired	Object	acceptedBatchResponseAcceptedDetailResponse

Response example (200)

{
    "batch": {
        "uuid": "qas22523-4d3338-4c6f-bcd6fehdd0-41033",
        "status": "accepted",
        "requestAcceptedUTCTime": "2023-05-03T17:13:45Z",
        "effectiveDate": "230211",
        "informationMessages": [
            {
                "code": "1006040-65I",
                "moreInfo": "Effective date assigned 230211."
            }
        ],
        "errorMessages": [],
        "details": [
            {
                "uuid": "qas22523-f76-44eb-a7014041034",
                "status": "accepted",
                "errorMessages": [],
                "informationMessages": [],
                "traceNumber": "041001030012787",
                "requestAcceptedUTCTime": "2023-05-03T17:13:45Z",
                "addenda": [
                    {
                        "status": "accepted",
                        "errorMessages": [],
                        "informationMessages": []
                    }
                ]
            }
        ]
    }
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided. Please verify the data and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized, please provide valid credentials",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service, please check with appplication support team before resubmitting the request",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service(Unexpected EOF at target), please check with appplication support team before resubmitting the request"
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable(NoActiveTargets), please check with appplication support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time(GatewayTimeout), please wait a moment and resubmit the request."
    }
}

Undo a payment request

post /ach/payments/v1/undo

Reverse a payment request before it enters consolidation.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	A short name specific to your company provided by KeyBank. The name must not exceed 9 characters. This is appended to the file name and improves security.

BODY FIELD	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.

Request example

{
    "uuid": "qas220517x-49eb-47664-b94rhd1-e52e2re13001"
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The status of a batch record can be accepted or rejected. The status of a detailed record can be deleted, accepted, rejected, notFound, or waitingForAddenda.
errorMessagesoptional	array	detailMessage
informationMessagesoptional	array	detailMessage
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.

Response example (200)

{
    "uuid": "qas220517x-49eb-47664-b94rhd1-e52e2re13001",
    "status": "accepted",
    "errorMessages": [
        {
            "code": "1006040-651"
        },
        {
            "moreInfo": "Effective date assigned 220411"
        }
    ],
    "informationMessages": [
        {
            "code": "1006040-651"
        },
        {
            "moreInfo": "Effective date assigned 220411"
        }
    ],
    "traceNumber": "041001030008013"
}

Missing data

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided, please verify the data and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized, please provide valid credentials",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service, please check with appplication support team before resubmitting the request",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service(Unexpected EOF at target), please check with appplication support team before resubmitting the request"
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable(NoActiveTargets), please check with appplication support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time(GatewayTimeout), please wait a moment and resubmit the request."
    }
}

Send additional addenda information

post /ach/payments/v1/addenda

Add records to an existing ACH transaction.

Request

HEADER FIELD	TYPE	DESCRIPTION
X-Pointrequired	string	This short name will be provided during API onboarding and is specific to your Company Name.

BODY FIELD	TYPE	DESCRIPTION
addendarequired	array	addendaRequest
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.

Request example

{
    "addenda": [
        {
            "paymentRelatedInformation": "0410*820412***PER*AP*QAS TESTING*IT*N1*PR*THE QAS COMPANY*         0",
            "addendaSequenceNumber": "002"
        },
        {
            "paymentRelatedInformation": "3*ROUTE 1234*BOX 1234\\N5*TESTING*BF*01234*BF*RMT*RMT*IV*01234**112345*112345*    0",
            "addendaSequenceNumber": "003"
        },
        {
            "paymentRelatedInformation": "TM*003*820311\\RMT*IV*0302892**252640\\DTM*003*820315\\RMT*IV*0302960**593835\\",
            "addendaSequenceNumber": "004"
        }
    ],
    "uuid": "qas220517x-49eb-47664-b94rhd1-e52e2re13001"
}

Responses

Successfully staged ACH file data into ACH Origination API.

NAME	TYPE	DESCRIPTION
uuidoptional	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The overall status of the addenda request can be accepted or rejected.
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.
informationMessagesoptional	array	detailMessage
errorMessagesoptional	array	detailMessage
addendaoptional	array	addendaResponse
requestAcceptedUTCTimeoptional	string	The date and time the request was accepted in UTC time. Format: YYYY-MM-DDTHH:MM:SS.

Response example (200)

{
    "uuid": "qas220517x-49eb-47664-b94rhd1-e52e2re13001",
    "status": "accepted",
    "traceNumber": "41001030008011",
    "informationMessages": [
        {
            "code": "1002040-50II",
            "moreInfo": "All addenda have been received."
        }
    ],
    "errorMessages": [],
    "addenda": [
        {
            "status": "accepted",
            "errorMessages": [],
            "informationMessages": []
        }
    ],
    "detailMessage": [
        {
            "code": "1002040-50I",
            "moreInfo": "All addenda have been received."
        }
    ],
    "requestAcceptedUTCTime": "2022-05-25T16:33:46Z"
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (400)

{
    "ErrorMessage": "Mandatory data not provided. Please verify the data and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Unauthorized request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (401)

{
    "ErrorMessage": "Received request is unauthorized. Please provide valid credentials.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Access denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found. Please verify the resource and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method denied

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed. Please verify the method and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Media type not supported

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed. Please verify the media type and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached. Please wait 2 minutes and resubmit the request again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (500)

{
    "ErrorMessage": "Runtime error occured in the service. Please check with application support team before resubmitting the request.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Bad gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occured with the downstream service (unexpected end of file at target). Please check with application support team before resubmitting the request."
    }
}

Service unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable (NoActiveTargets). Please check with application support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

Response example (504)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "abcgd133",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
    }
}

Schemas

exception

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	Error message related to system generating this error.
TransactionIdoptional	string	Unique functional identifier from the data to identify a message.
X-CorrelationIdoptional	string	A universal ID to trace the transaction across all the systems involved, useful for system logging and identification.
TransactionTimeoptional	string	Time of the occurrence of the error of the message.
ServiceErroroptional	oneOf	detailMessage connectError

connectError

NAME	TYPE	DESCRIPTION
ConnectErroroptional	string	Error information of the connectivity with downstream service.

acceptedAddendaResponseEnvelope

NAME	TYPE	DESCRIPTION
uuidoptional	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The overall status of the addenda request can be accepted or rejected.
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.
informationMessagesoptional	array	detailMessage
errorMessagesoptional	array	detailMessage
addendaoptional	array	addendaResponse
requestAcceptedUTCTimeoptional	string	The date and time the request was accepted in UTC time. Format: YYYY-MM-DDTHH:MM:SS.

acceptedBatchResponseAcceptedDetailResponse

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusrequired	string	The status of the batch can be accepted or rejected.
requestAcceptedUTCTimeoptional	string	The date and time the request was accepted in UTC time. Format: YYYY-MM-DDTHH:MM:SS.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
informationMessagesoptional	array	detailMessage
errorMessagesoptional	array	detailMessage
detailsoptional	array	acceptedDetailResponse

acceptedDetailResponse

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The overall status of the addenda can be accepted or rejected.
errorMessagesoptional	array	detailMessage
informationMessagesoptional	array	detailMessage
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.
requestAcceptedUTCTimeoptional	string	The date and time the request was accepted in UTC time. Format: YYYY-MM-DDTHH:MM:SS.

addendaRequest

NAME	TYPE	DESCRIPTION
paymentRelatedInformationrequired	string	The related payment information for the addenda records. The limit is 80 characters.
addendaSequenceNumberrequired	string	The sequence number of the addenda. The number cannot exceed 4 digits.

addendaRequestEnvelope

NAME	TYPE	DESCRIPTION
addendarequired	array	addendaRequest
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.

addendaResponse

NAME	TYPE	DESCRIPTION
statusoptional	string	The overall status of the addenda request can be accepted or rejected.
errorMessagesoptional	array	detailMessage
informationMessagesoptional	array	detailMessage

addendaStatusRequestEnvelope

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pageSizeoptional	string	The number of records to be returned in the pagination search.
startAddendaSequenceNumberoptional	string	The starting number for the addenda record sequence.

addendaStatusResponseEnvelope

NAME	TYPE	DESCRIPTION
uuidoptional	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The status of the batch can be accepted or rejected.
errorMessagesoptional	array	detailMessage
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.
informationMessagesoptional	array	detailMessage
addendaoptional	array	baseAddendaDetailResponse

baseAddendaDetailResponse

NAME	TYPE	DESCRIPTION
addendaTypeCodeoptional	string	The type code for the addenda. The value is '05'.
addendaSequenceNumberoptional	string	The sequence number of the addenda. The number cannot exceed 4 digits.
paymentRelatedInformationoptional	string	The related payment information from the addenda records. The maximum character limit is 80.

baseAddendaRequest

NAME	TYPE	DESCRIPTION
paymentRelatedInformationrequired	string	The related payment information for the addenda records. The limit is 80 characters.

baseDetailResponse

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The status of a batch record can be accepted or rejected. The status of a detailed record can be deleted, accepted, rejected, notFound, or waitingForAddenda.
errorMessagesoptional	array	detailMessage
informationMessagesoptional	array	detailMessage
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.

batchRequestCCDDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pointrequired	string	A short name specific to your company provided by KeyBank. This is included in the file name and improves security for file transfers.
collectionApplicationIdrequired	string	This ID is provided by KeyBank and cannot exceed the maximum of 9 alphanumeric characters.
collectionApplicationTypeoptional	string	The collection application type is provided by KeyBank and cannot exceed the maximum of 6 alphanumeric characters.
secCoderequired	string	The three-digit Standard Entry Class code based on Nacha rules. Valid values: CCD, CTX, IAT, PPD, TEL, WEB.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
companyDescriptiveDateoptional	string	Company descriptive date. Format: YMMDD
companyEntryDescriptionrequired	string	Provides the receiver a description of the payment purpose, like “Payroll”, “REFUND”, “CLOSING”, or “Payment”. The value cannot exceed 10 characters and cannot be blank.
detailsoptional	array	cCDDetailRequest

batchRequestCTXDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pointrequired	string	A short name specific to your company provided by KeyBank. This is included in the file name and improves security for file transfers.
collectionApplicationIdrequired	string	This ID is provided by KeyBank and cannot exceed the maximum of 9 alphanumeric characters.
collectionApplicationTypeoptional	string	The collection application type is provided by KeyBank and cannot exceed the maximum of 6 alphanumeric characters.
secCoderequired	string	The three-digit Standard Entry Class code based on Nacha rules. Valid values: CCD, CTX, IAT, PPD, TEL, WEB.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
companyDescriptiveDateoptional	string	Company descriptive date. Format: YMMDD
companyEntryDescriptionrequired	string	Provides the receiver a description of the payment purpose, like “Payroll”, “REFUND”, “CLOSING”, or “Payment”. The value cannot exceed 10 characters and cannot be blank.
detailsoptional	array	cTXDetailRequest

batchRequestEnvelopeBatchRequestCCDDetailRequest

NAME	TYPE	DESCRIPTION
batchrequired	Object	batchRequestCCDDetailRequest

batchRequestEnvelopeBatchRequestCTXDetailRequest

NAME	TYPE	DESCRIPTION
batchrequired	Object	batchRequestCTXDetailRequest

batchRequestEnvelopeBatchRequestPPDDetailRequest

NAME	TYPE	DESCRIPTION
batchrequired	Object	batchRequestPPDDetailRequest

batchRequestEnvelopeBatchRequestTELDetailRequest

NAME	TYPE	DESCRIPTION
batchrequired	Object	batchRequestTELDetailRequest

batchRequestEnvelopeBatchRequestWEBDetailRequest

NAME	TYPE	DESCRIPTION
batchrequired	Object	batchRequestWEBDetailRequest

batchRequestPPDDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pointrequired	string	A short name specific to your company provided by KeyBank. This is included in the file name and improves security for file transfers.
collectionApplicationIdrequired	string	This ID is provided by KeyBank and cannot exceed the maximum of 9 alphanumeric characters.
collectionApplicationTypeoptional	string	The collection application type is provided by KeyBank and cannot exceed the maximum of 6 alphanumeric characters.
secCoderequired	string	The three-digit Standard Entry Class code based on Nacha rules. Valid values: CCD, CTX, IAT, PPD, TEL, WEB.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
companyDescriptiveDateoptional	string	Company descriptive date. Format: YMMDD
companyEntryDescriptionrequired	string	Provides the receiver a description of the payment purpose, like “Payroll”, “REFUND”, “CLOSING”, or “Payment”. The value cannot exceed 10 characters and cannot be blank.
detailsoptional	array	pPDDetailRequest

batchRequestTELDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pointrequired	string	A short name specific to your company provided by KeyBank. This is included in the file name and improves security for file transfers.
collectionApplicationIdrequired	string	This ID is provided by KeyBank and cannot exceed the maximum of 9 alphanumeric characters.
collectionApplicationTypeoptional	string	The collection type is provided by KeyBank and cannot exceed the maximum of 6 alphanumeric characters.
secCoderequired	string	Standard Entry Class Code. Length must be exactly 3 alphabetical characters and adhere to Nacha rules.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
companyDescriptiveDateoptional	string	Company descriptive date. Format: YMMDD
companyEntryDescriptionrequired	string	Provides the receiver a description of the payment purpose, like “Payroll”, “REFUND”, “CLOSING”, or “Payment”. The value cannot exceed 10 characters and cannot be blank.
detailsoptional	array	telDetailRequest

batchRequestWEBDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
pointrequired	string	A short name specific to your company provided by KeyBank. This is included in the file name and improves security for file transfers.
collectionApplicationIdrequired	string	This ID is provided by KeyBank and cannot exceed the maximum of 9 alphanumeric characters.
collectionApplicationTypeoptional	string	The collection application type is provided by KeyBank and cannot exceed the maximum of 6 alphanumeric characters.
secCoderequired	string	The three-digit Standard Entry Class code based on Nacha rules. Valid values: CCD, CTX, IAT, PPD, TEL, WEB.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
companyDescriptiveDateoptional	string	Company descriptive date. Format: YMMDD
companyEntryDescriptionrequired	string	Provides the receiver a description of the payment purpose, like “Payroll”, “REFUND”, “CLOSING”, or “Payment”. The value cannot exceed 10 characters and cannot be blank.
detailsoptional	array	webDetailRequest

batchResponseEnvelopeAccepted

NAME	TYPE	DESCRIPTION
batchrequired	Object	acceptedBatchResponseAcceptedDetailResponse

batchResponseEnvelopeRejected

NAME	TYPE	DESCRIPTION
batchrequired	Object	rejectedBatchResponseBaseDetailResponse

cCDDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
accountTyperequired	string	The account type can be checking (C) or savings (S). Valid values: C, S.
creditDebitCoderequired	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
transactionTyperequired	string	NACHA-defined transaction types can be live (L), prenote (P), or zero (Z). Valid values: L, P, Z.
receivingDFIIdrequired	string	Receiving DFI ID can be maximum of 8 digits.
checkDigitrequired	string	Check digit is a single numeric digit.
DFIAccountNumberrequired	string	The account number of the depository financial institution (the recipient's bank). The account number can be a maximum of 17 characters.
amountrequired	string	The transaction amount in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
identificationNumberoptional	string	Identifcation number for the detail record. The number cannot exceed 15 characters.
receivingCompanyNamerequired	string	The name of the receiving company. The name cannot exceed a maximum of 22 characters.
discretionaryDataoptional	string	Further identification of the company or used to describe the type of entries being processed. The ID can be a maximum of 2 characters.
addendaoptional	array	baseAddendaRequest

cTXDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
accountTyperequired	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
creditDebitCoderequired	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
transactionTyperequired	string	NACHA-defined transaction types can be live (L), prenote (P), or zero (Z). Valid values: L, P, Z.
receivingDFIIdrequired	string	Receiving DFI ID can be maximum of 8 digits.
checkDigitrequired	string	Check digit is a single numeric digit.
DFIAccountNumberrequired	string	The account number of the depository financial institution (the recipient's bank). The account number can be a maximum of 17 characters.
totalAmountrequired	string	The total amount of the transactions in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
identificationNumberoptional	string	Identifcation number for the detail record. The number cannot exceed 15 characters.
numberOfAddendaRecordsrequired	string	Count of addenda records. This cannot exceed 4 digits.
receivingCompanyNameIDNumberrequired	string	The name and ID of the receiving company. This field cannot exceed 16 characters.
discretionaryDataoptional	string	Discretionary Data can be a maximum of 2 characters.
addendaoptional	array	baseAddendaRequest

detailMessage

NAME	TYPE	DESCRIPTION
codeoptional	string	A static status code assigned by the network or payment system.
moreInfooptional	string	Detailed descriptive message.

detailStatusRequestEnvelopePaymentInquiryDetailRequest

NAME	TYPE	DESCRIPTION
detailStatusoptional	array	paymentInquiryDetailRequest

detailStatusResponse

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
statusoptional	string	The status of the batch can be accepted or rejected.
errorMessagesoptional	array	detailMessage
informationMessagesoptional	array	detailMessage
traceNumberoptional	string	The unique number for the transaction from the TBDACHDETAIL table. Record this number for possible ACH inquiry requests.
requestAcceptedUTCTimeoptional	string	The date and time the request was accepted in UTC time. Format: YYYY-MM-DDTHH:MM:SS.
requestDeletedUTCTimeoptional	string	The date and time the request was deleted in UTC time. Format: YYYY-MM-DDTHH:MM:SS.
requestLastUpdatedUTCTimeoptional	string	The date and time the request was updated in UTC time. Format: YYYY-MM-DDTHH:MM:SS.
pointoptional	string	A short name specific to your company provided by KeyBank. This is included in the file name and improves security for file transfers.
collectionApplicationIdoptional	string	This ID is provided by KeyBank and cannot exceed the maximum of 9 alphanumeric characters.
collectionApplicationTypeoptional	string	The collection application type is provided by KeyBank and cannot exceed the maximum of 6 alphanumeric characters.
secCodeoptional	string	The three-digit Standard Entry Class code based on Nacha rules. Valid values: CCD, CTX, IAT, PPD, TEL, WEB.
effectiveDateoptional	string	The date the transaction is posted. This date must be within 90 days of the current date. Format:YYMMDD
companyDescriptiveDateoptional	string	Company descriptive date. Format: YMMDD
batchNumberoptional	string	The number associated with the batch. It can be a maximum of 7 digits.
companyNameoptional	string	The name of the corporation or institution making the request. The name cannot exceed 16 characters or have spaces.
companyDiscretionaryDataoptional	string	Discretionary data for the company.
companyIdentificationoptional	string	The identification number of the company. This cannot exceed 15 digits.
companyEntryDescriptionoptional	string	The entry description for the company.
originatingDFIIdoptional	string	The ID of the originating depository financial institution. This cannot exceed the maximum of 8 digits.
accountTypeoptional	string	The account type can be checking (C) or savings (S). Valid values: C, S.
creditDebitCodeoptional	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
transactionTypeoptional	string	NACHA-defined transaction types can be L (live), P (prenote), or Z (zero). Valid values: L, P, Z.
transcationCodeoptional	string	A two-character field that specifies the billing credit transaction code.
receivingDFIIdoptional	string	The ID of the receiving depository financial institution. This cannot exceed the maximum of 8 digits.
checkDigitoptional	string	Check digit is a single numeric digit.
dfiAccountNumberoptional	string	The account number of the depository financial institution (the recipient's bank).
amountoptional	string	The transaction amount in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
identificationNumberoptional	string	Identifcation number for the detail record. The number cannot exceed 15 characters.
receivingCompanyNameoptional	string	The name of the receiving company. The name cannot exceed a maximum of 22 characters.
discretionaryDataoptional	string	Further identification of the company or used to describe the type of entries being processed. The ID cannot exceed the maximum of 20 characters.
totalAmountoptional	string	The total amount of the transactions in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
receivingCompanyNameIDNumberoptional	string	The name and ID of the receiving company. This field cannot exceed 16 characters.
individualIdentificationNumberoptional	string	The ID number for the individual. This cannot exceed 15 characters.
individualNameoptional	string	The name of the individual. This cannot exceed 22 characters.
paymentTypeCodeoptional	string	The code is a maximum of four characters. This field returns two empty spaces if the code is not provided by the client.
numberOfAddendaRecordsoptional	string	Count of addenda records. This cannot exceed 4 digits.
numberOfAddendaReceivedoptional	string	Count of addenda records received.
addendaoptional	array	baseAddendaDetailResponse
fileCreationDateoptional	string	The date the file was create in YYMMDD format.
fileCreationTimeoptional	string	The time the file was created.
fileIdModifieroptional	string	The file ID modifier to control the totals with a single alphanumeric value.

detailStatusResponseEnvelopeDetailStatusResponse

NAME	TYPE	DESCRIPTION
detailsoptional	array	detailStatusResponse

detailUndoRequestEnvelope

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.

notificationEventResponse

NAME	TYPE	DESCRIPTION
pointoptional	string	This short name will be provided during API onboarding and is specific to your Company Name.
collectionApplicationIdoptional	string	This short name will be provided during API onboarding and is specific to your account.
collectionApplicationTypeoptional	string	Collection Application Type can be a maximum of 6 characters.
eventIdoptional	string	Unique Id of an event. Contains up to 6 alphanumeric characters.
eventMessageoptional	string	Description of the event generated. Contains up to 500 alphanumeric characters.

pPDDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
accountTyperequired	string	The account type can be checking (C) or savings (S). Valid values: C, S.
creditDebitCoderequired	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
transactionTyperequired	string	NACHA-defined transaction types can be live (L), prenote (P), or zero (Z). Valid values: L, P, Z.
receivingDFIIdrequired	string	The ID of the receiving depository financial institution. This cannot exceed the maximum of 8 digits.
checkDigitrequired	string	Check digit is a single numeric digit.
DFIAccountNumberrequired	string	The account number of the depository financial institution (the recipient's bank). The account number can be a maximum of 17 characters.
amountrequired	string	The transaction amount in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
individualNamerequired	string	The name of the individual. This cannot exceed 22 characters.
individualIdentificationNumberoptional	string	The ID number for the individual. This cannot exceed 15 characters.
discretionaryDataoptional	string	Further identification of the company or used to describe the type of entries being processed. The ID can be a maximum of 2 characters.
addendaoptional	array	baseAddendaRequest

paymentInquiryDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.

rejectedBatchResponseBaseDetailResponse

NAME	TYPE	DESCRIPTION
uuidrequired	string	UUID is customer-populated value to identify each transaction. It is required to delete a transaction using the Undo function. It is not maintained throughout the lifecycle of the transaction.
statusrequired	string	Overall Status of the batch can be either accepted/rejected.
errorsoptional	array	detailMessage
detailsoptional	array	baseDetailResponse

sortControl

NAME	TYPE	DESCRIPTION
sortByoptional	string	Contains fields on which sorting is done.
sortOrderoptional	string	Order on which sorting is done. It can contain a value of asc or desc.

successMetaResponse

NAME	TYPE	DESCRIPTION
pageNumberoptional	integer	Page number retrieved in Pagination search.
sizeUsedoptional	integer	Page size value used by server API.
sizeRequestedoptional	integer	Page size value sent by client in request payload.
totalRecordsoptional	integer	Total number of records available for Inquiry.
sortoptional	array	sortControl

telDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
accountTyperequired	string	The account type can be checking (C) or savings (S). Valid values: C, S.
creditDebitCoderequired	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
transactionTyperequired	string	NACHA-defined transaction types can be live (L), prenote (P), or zero (Z). Valid values: L, P, Z.
receivingDFIIdrequired	string	The ID of the receiving depository financial institution. This cannot exceed the maximum of 8 digits.
checkDigitrequired	string	Check digit is a single numeric digit.
DFIAccountNumberrequired	string	The account number of the depository financial institution (the recipient's bank). The account number can be a maximum of 17 characters.
amountrequired	string	The transaction amount in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
individualIdentificationNumberoptional	string	The ID number for the individual. This cannot exceed 15 characters.
individualNamerequired	string	The name of the individual. This cannot exceed 22 characters.
paymentTypeCodeoptional	string	The code is a maximum of two characters. The code is two empty spaces if the code is not provided by the client.

webDetailRequest

NAME	TYPE	DESCRIPTION
uuidrequired	string	A custom value used to idenitfy each transaction. It is required to undo a payment. The ID must not exceed 45 alphanumeric characters.
accountTyperequired	string	The account type can be checking (C) or savings (S). Valid values: C, S.
creditDebitCoderequired	string	One-character field indicates if the ACH transaction is a credit (C) or debit (D). Valid values: C, D.
transactionTyperequired	string	NACHA-defined transaction types can be live (L), prenote (P), or zero (Z). Valid values: L, P, Z.
receivingDFIIdrequired	string	The ID of the receiving depository financial institution. This cannot exceed the maximum of 8 digits.
checkDigitrequired	string	Check digit is a single numeric digit.
DFIAccountNumberrequired	string	The account number of the depository financial institution (the recipient's bank). The account number can be a maximum of 17 characters.
amountrequired	string	The transaction amount in valid currency format. The amount can have up to 8 digits before the decimal and 2 digits after the decimal.
individualIdentificationNumberoptional	string	The ID number for the individual. This cannot exceed 15 characters.
individualNamerequired	string	The name of the individual. This cannot exceed 22 characters.
paymentTypeCodeoptional	string	The code is a maximum of two characters. The code is two empty spaces if the code is not provided by the client.
addendaoptional	array	baseAddendaRequest

Error handling

An error can indicate a problem with the request, the network, or the API itself. Use the error handling information to get a better understanding of what went wrong and possible corrective actions.

Standard error message format

An erroneous response returns the HTTP code number with the content of the exception schema. Additional information in this schema like the transaction ID and transaction time can help you diagnose the issue.

The schema includes the X-CorrelationId field to help with traceability.

API-specific error messages

Custom messages are used for API-related functional business messages or faults. Each API can contain custom messages specific to KeyBank operations or the API. These messages can be part of the exception schema or a separate object.

KeyBank uses the ServiceError > detailsMessage object for errors specific to the API.

Error codes and messages

Standard errors use the typical HTTP status codes. Messages specific to KeyBank have an asterisk (*) after the message code number. Look at errorMessages in the response payload or the detailMessage object for additional information specific to the API.

HTTP STATUS CODE	DESCRIPTION
400	`Missing data in the request.` `Mandatory data not provided, please verify the data, and resubmit the request.`
401	`Received request is unauthorized.` `Received request is unauthorized, please provide valid credentials.`
403	`Request is forbidden to access the resource.` `Access to requested resource is forbidden.`
404	`Request resource is not found.` `Requested resource is not found, please verify the resource, and resubmit the request.`
405	`Request method is not allowed.` `Requested method is not allow, please verify the method, and resubmit the request.`
415	`Requested unsupported media type.` `Requested media type is not allowed, please verify the media type, and resubmit the request.`
429	`Too many request received.` `Number requests threshold reached, please resubmit the request after sometime.`
500	`Internal server error.` `Unknown error occurred, please resubmit the request.`
502	`Bad Gateway.` `Bad Gateway, please resubmit the request.`
503	`Service Unavailable.` `Service is currently unavailable, please resubmit the request.`
504	`Gateway timeout.` `Request could not be processed on time, please resubmit the request.`

YAML file