---
title: "Pay by Bank (US) for API only"
description: "Add Pay by Bank (US) to an existing API-only integration."
url: "https://docs.adyen.com/payment-methods/pay-by-bank-us/api-only"
source_url: "https://docs.adyen.com/payment-methods/pay-by-bank-us/api-only.md"
canonical: "https://docs.adyen.com/payment-methods/pay-by-bank-us/api-only"
last_modified: "2019-09-06T17:19:00+02:00"
language: "en"
---

# Pay by Bank (US) for API only

Add Pay by Bank (US) to an existing API-only integration.

[View source](/payment-methods/pay-by-bank-us/api-only.md)

Accept Pay by Bank (US) payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

## Requirements

| Requirement          | Description                                                                                                                                                     |
| -------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type** | Make sure that you have built your [API-only integration](/online-payments/build-your-integration).                                                             |
| **Setup steps**      | Before you begin, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to add Pay by Bank (US) in your Customer Area. |

## Build your payment form

1. In your POST [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) request, use:

   * `currency`: **USD**
   * `countryCode`: **US**

2. When you receive the `/paymentMethods` response, note the object for Pay by Bank (US):

   * `name`: **Pay by Bank**. Use this to show the payment method in your payment form.
   * `type`: **paybybank\_AIS\_DD**. Use this in your payment request as the `paymentMethod.type`.

   There is no list of issuing banks that you can show in your payment form.

3. Make sure that when shoppers select **Pay by Bank**, you obtain their authorization to debit their bank account. ACH rules require that. We recommend showing the following text:

   > *By connecting your bank account you are authorizing debits to your account for any amount owed for the use of our services and/or purchase of our products, until you revoke this authorization.*

## Make a payment

1. Make a [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request, specifying:

   | Parameter            | Required                                                                                    | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
   | -------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
   | `paymentMethod.type` | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | **paybybank\_AIS\_DD**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
   | `returnUrl`          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | URL to where the shopper should be redirected back to after they complete the payment. This URL can have a maximum of 1024 characters.                                                                                                                                                                                                                                                                                                                                                                        |
   | `countryCode`        |                                                                                             | The shopper's country/region. Format: the two-letter [ISO-3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code. Exception: **QZ** (Kosovo). This determines the banks that our partner shows to the shopper. Currently, only **US** is supported. This is also the default if you do not include this parameter. The `countryCode` is not required, but we recommend implementing it because of future enhancements that will allow Pay by Bank (US) payments through non-US banks. |

   #### curl

   ```bash
   curl https://checkout-test.adyen.com/v72/payments \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -d '{
      "amount":{
         "currency":"USD",
         "value":1000
      },
      "countryCode": "US",
      "paymentMethod":{
         "type":"paybybank_AIS_DD"
      },
      "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
      "reference":"YOUR_ORDER_NUMBER",
      "returnUrl":"https://your-company.example.com/checkout?shopperOrder=12xy.."
   }'
   ```

   #### NodeJS (JavaScript)

   ```js
   // Adyen Node API Library v16.1.0
   // Require the parts of the module you want to use
   const { Client, CheckoutAPI } = require('@adyen/api-library');

   // Initialize the client object
   const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

   // Create the request object
   const paymentRequest = {
     amount: {
       currency: "USD",
       value: 1000
     },
     countryCode: "US",
     paymentMethod: {
       type: "paybybank_AIS_DD"
     },
     merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
     reference: "YOUR_ORDER_NUMBER",
     returnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy.."
   }

   // Make the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

   #### Python

   ```py
   # Adyen Python API Library v12.0.0
   import Adyen

   adyen = Adyen.Adyen()
   adyen.client.xapikey = "ADYEN_API_KEY"
   adyen.client.platform = "test" # The environment to use library in.

   json_request = {
     "amount": {
       "currency": "USD",
       "value": 1000
     },
     "countryCode": "US",
     "paymentMethod": {
       "type": "paybybank_AIS_DD"
     },
     "merchantAccount": "ADYEN_MERCHANT_ACCOUNT",
     "reference": "YOUR_ORDER_NUMBER",
     "returnUrl": "https://your-company.example.com/checkout?shopperOrder=12xy.."
   }

   result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
   ```

   #### Ruby

   ```rb
   # Adyen Ruby API Library v9.1.0
   require "adyen-ruby-api-library"

   adyen = Adyen::Client.new
   adyen.api_key = 'ADYEN_API_KEY'
   adyen.env = :test # Set to "live" for live environment

   request_body = {
     :amount => {
       :currency => 'USD',
       :value => 1000
     },
     :countryCode => 'US',
     :paymentMethod => {
       :type => 'paybybank_AIS_DD'
     },
     :merchantAccount => 'ADYEN_MERCHANT_ACCOUNT',
     :reference => 'YOUR_ORDER_NUMBER',
     :returnUrl => 'https://your-company.example.com/checkout?shopperOrder=12xy..'
   }

   result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
   ```

2. In the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) response, check the `action` object for the information that you must use to redirect the shopper.

   **/payments response**

   ```json
   {
     "resultCode":"RedirectShopper",
     "action":{
       "paymentMethodType":"paybybank_AIS_DD",
       "method":"GET",
       "url":"https://checkoutshopper-test.adyen.com/checkoutshopper/checkoutPaymentRedirect?redirectData=...",
       "type":"redirect"
     }
   }
   ```

## Handle the redirect

1. To complete the payment, redirect the shopper to the `action.url` returned in the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) response, taking into account the following recommendations:

   * **When using the HTTP GET method:**\
     For security reasons, when showing the redirect in the app, we recommend that you use [SFSafariViewController](https://developer.apple.com/documentation/safariservices/sfsafariviewcontroller) for iOS or [Chrome Custom Tabs](https://developer.chrome.com/multidevice/android/customtabs) for Android, instead of WebView objects. Also refer to the [security best practices](https://developer.android.com/topic/security/best-practices#webview) for WebView.

   * **Redirection for mobile integrations:**\
     For mobile integrations, we strongly recommended that you redirect the shopper to the default browser of their device. Redirecting to the default browser ensures the best compatibility, handling of multi-factor authentication, app-to-app redirection, and error handling.

2. After the shopper is redirected back to your website, check the payment result by making a POST [/payments/details](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details) request, specifying:

   * `details`: object that contains the URL-decoded `redirectResult` returned when the shopper was redirected back to your site.

   **/payments/details request**

   ```bash
   curl https://checkout-test.adyen.com/v72/payments/details \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -d '{
      "details": {
         "redirectResult": "eyJ0cmFuc1N0YXR1cyI6IlkifQ=="
      }
   }'
   ```

3. In the response note the following:

   * `resultCode`: use this to present the result to your shopper.
   * `pspReference`: our unique identifier for the transaction.

   **/payments/details response**

   ```json
   {
      "resultCode": "Authorised",
      "pspReference": "V4HZ4RBFJGXXGN82"
   }
   ```

## Present the payment result

Use the  [resultCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details#responses-200-resultCode) that you received in the [/payments/details](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details) response to present the payment result to your shopper.

The `resultCode` values you can receive for Pay by Bank (US) are:

| resultCode                  | Description                                                                                                                | Action to take                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| --------------------------- | -------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Authorised**              | The payment was successful.                                                                                                | Inform the shopper that the payment has been successful. You will receive the funds in 2-3 days.                                                                                                                                                                                                                                                                                                                                                                   |
| **Cancelled**               | The shopper cancelled the payment while on their bank's website.                                                           | Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.                                                                                                                                                                                                                                                                                                                                                    |
| **Error**                   | There was an error while the payment was processed.                                                                        | Inform the shopper that there was an error processing their payment. The response contains a `refusalReason`, indicating the cause of the error.                                                                                                                                                                                                                                                                                                                   |
| **Pending** or **Received** | The shopper has completed the payment but the final result is not yet known. It may take minutes or hours to confirm this. | Inform the shopper that you received their order, and are waiting for the payment to be completed. You will receive the final result of the payment in an [AUTHORISATION webhook](/development-resources/webhooks/webhook-types). If the transaction is not authorised within 30 minutes, the offer will close. Optionally, you can be informed of this through an [OFFER\_CLOSED webhook](https://docs.adyen.com/api-explorer/Webhooks/latest/post/OFFER_CLOSED). |
| **Refused**                 | The payment was refused for risk reasons.                                                                                  | See the [Pay by Bank (US) raw responses](https://docs.adyen.com/development-resources/raw-acquirer-responses/#pay-by-bank-us-raw-responses) for more information about risk-related refusals and how to handle them.                                                                                                                                                                                                                                               |

[]()If the shopper closed the browser and failed to return to your website, wait for webhooks to know the outcome of the payment:

| eventCode         | success field | Description                                     | Action to take                                                                      |
| ----------------- | ------------- | ----------------------------------------------- | ----------------------------------------------------------------------------------- |
| **AUTHORISATION** | **false**     | The payment failed.                             | Cancel the order and inform the shopper that the payment failed.                    |
| **AUTHORISATION** | **true**      | The shopper successfully completed the payment. | Inform the shopper that the payment has been successful and proceed with the order. |

## Capture

We strongly recommend capturing Pay by Bank (US) payments immediately, to reduce the risk of insufficient funds at the time of capture.

Through our partner Plaid, Adyen completes the checks on the shopper's bank account, including a balance check and risk checks, at the time of authorization. However, the issuing bank does not hold the authorized funds and thus it is possible that the account balance is no longer sufficient by the time you capture the payment. For that reason, you should capture Pay by Bank (US) payments as soon as possible.

However, even with immediate capture there is still a risk of insufficient funds at the time of capture, because capturing is an asynchronous process on the ACH Direct Debit network.

## Recurring payments

Pay by Bank (US) supports [tokenization](/online-payments/tokenization) for recurring transactions.

We strongly recommend that you ask explicit permission from the shopper if you intend to make future recurring payments. Being transparent about the payment schedule and the charged amount reduces the risk of chargebacks.

To make recurring payments:

1. Create a token through the initial Pay by Bank (US) transaction for the shopper, specifying:

   * The [tokenization parameters](/online-payments/tokenization/create-tokens).
   * `paymentMethod.type`: **paybybank\_AIS\_DD**

   #### curl

   ```bash
   curl https://checkout-test.adyen.com/v72/payments \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -d '{
       "amount":{
         "currency":"USD",
         "value":1000
       },
       "countryCode": "US",
       "paymentMethod":{
         "type":"paybybank_AIS_DD"
       },
       "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
       "storePaymentMethod": "true",
       "shopperInteraction": "Ecommerce",
       "shopperReference":"YOUR_SHOPPER_REFERENCE",
       "recurringProcessingModel": "Subscription",
       "reference":"YOUR_ORDER_NUMBER",
       "returnUrl":"https://your-company.example.com/checkout?shopperOrder=12xy.."
   }'
   ```

   #### NodeJS (JavaScript)

   ```js
   // Adyen Node API Library v16.1.0
   // Require the parts of the module you want to use
   const { Client, CheckoutAPI } = require('@adyen/api-library');

   // Initialize the client object
   const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

   // Create the request object
   const paymentRequest = {
     amount: {
       currency: "USD",
       value: 1000
     },
     countryCode: "US",
     paymentMethod: {
       type: "paybybank_AIS_DD"
     },
     merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
     storePaymentMethod: "true",
     shopperInteraction: "Ecommerce",
     shopperReference: "YOUR_SHOPPER_REFERENCE",
     recurringProcessingModel: "Subscription",
     reference: "YOUR_ORDER_NUMBER",
     returnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy.."
   }

   // Make the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

   #### Python

   ```py
   # Adyen Python API Library v12.0.0
   import Adyen

   adyen = Adyen.Adyen()
   adyen.client.xapikey = "ADYEN_API_KEY"
   adyen.client.platform = "test" # The environment to use library in.

   json_request = {
     "amount": {
       "currency": "USD",
       "value": 1000
     },
     "countryCode": "US",
     "paymentMethod": {
       "type": "paybybank_AIS_DD"
     },
     "merchantAccount": "ADYEN_MERCHANT_ACCOUNT",
     "storePaymentMethod": "True",
     "shopperInteraction": "Ecommerce",
     "shopperReference": "YOUR_SHOPPER_REFERENCE",
     "recurringProcessingModel": "Subscription",
     "reference": "YOUR_ORDER_NUMBER",
     "returnUrl": "https://your-company.example.com/checkout?shopperOrder=12xy.."
   }

   result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
   ```

   #### Ruby

   ```rb
   # Adyen Ruby API Library v9.1.0
   require "adyen-ruby-api-library"

   adyen = Adyen::Client.new
   adyen.api_key = 'ADYEN_API_KEY'
   adyen.env = :test # Set to "live" for live environment

   request_body = {
     :amount => {
       :currency => 'USD',
       :value => 1000
     },
     :countryCode => 'US',
     :paymentMethod => {
       :type => 'paybybank_AIS_DD'
     },
     :merchantAccount => 'ADYEN_MERCHANT_ACCOUNT',
     :storePaymentMethod => 'true',
     :shopperInteraction => 'Ecommerce',
     :shopperReference => 'YOUR_SHOPPER_REFERENCE',
     :recurringProcessingModel => 'Subscription',
     :reference => 'YOUR_ORDER_NUMBER',
     :returnUrl => 'https://your-company.example.com/checkout?shopperOrder=12xy..'
   }

   result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
   ```

2. Get the shopper's token from the payment response or the [recurring.token.created](https://docs.adyen.com/api-explorer/Tokenization-webhooks/latest/post/recurring.token.created) webhook.\
   For example: `additionalData.tokenization.storedPaymentMethodId`: **M5N7TQ4TG5PFWR50**.

3. Use the token in later Pay by Bank (US) payments for the shopper, specifying:

   * The [tokenization parameters](/online-payments/tokenization/make-token-payments).
   * `paymentMethod.type`: **paybybank\_AIS\_DD**

   #### curl

   ```bash
   curl https://checkout-test.adyen.com/v72/payments \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -d '{
      "amount":{
         "value":1000,
         "currency":"USD"
      },
      "countryCode": "US",
      "paymentMethod":{
         "type":"paybybank_AIS_DD",
         "storedPaymentMethodId":"M5N7TQ4TG5PFWR50"
      },
      "reference":"YOUR_ORDER_NUMBER",
      "merchantAccount":"ADYEN_MERCHANT_ACCOUNT",
      "shopperReference":"YOUR_SHOPPER_REFERENCE",
      "shopperInteraction":"ContAuth",
      "recurringProcessingModel": "Subscription"
   }'
   ```

   #### NodeJS (JavaScript)

   ```js
   // Adyen Node API Library v16.1.0
   // Require the parts of the module you want to use
   const { Client, CheckoutAPI } = require('@adyen/api-library');

   // Initialize the client object
   const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

   // Create the request object
   const paymentRequest = {
     amount: {
       value: 1000,
       currency: "USD"
     },
     paymentMethod: {
       type: "paybybank_AIS_DD",
       storedPaymentMethodId: "M5N7TQ4TG5PFWR50"
     },
     reference: "YOUR_ORDER_NUMBER",
     merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
     shopperReference: "YOUR_SHOPPER_REFERENCE",
     shopperInteraction: "ContAuth",
     recurringProcessingModel: "Subscription"
   }

   // Make the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

   #### Python

   ```py
   # Adyen Python API Library v12.0.0
   import Adyen

   adyen = Adyen.Adyen()
   adyen.client.xapikey = "ADYEN_API_KEY"
   adyen.client.platform = "test" # The environment to use library in.

   json_request = {
     "amount": {
       "value": 1000,
       "currency": "USD"
     },
     "paymentMethod": {
       "type": "paybybank_AIS_DD",
       "storedPaymentMethodId": "7219687191761347"
     },
     "reference": "YOUR_ORDER_NUMBER",
     "merchantAccount": "ADYEN_MERCHANT_ACCOUNT",
     "shopperReference": "YOUR_SHOPPER_REFERENCE",
     "shopperInteraction": "ContAuth",
     "recurringProcessingModel": "Subscription"
   }

   result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
   ```

   #### Ruby

   ```rb
   # Adyen Ruby API Library v9.1.0
   require "adyen-ruby-api-library"

   adyen = Adyen::Client.new
   adyen.api_key = 'ADYEN_API_KEY'
   adyen.env = :test # Set to "live" for live environment

   request_body = {
     :amount => {
       :value => 1000,
       :currency => 'USD'
     },
     :paymentMethod => {
       :type => 'paybybank_AIS_DD',
       :storedPaymentMethodId => '7219687191761347'
     },
     :reference => 'YOUR_ORDER_NUMBER',
     :merchantAccount => 'ADYEN_MERCHANT_ACCOUNT',
     :shopperReference => 'YOUR_SHOPPER_REFERENCE',
     :shopperInteraction => 'ContAuth',
     :recurringProcessingModel => 'Subscription'
   }

   result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
   ```

## Test and go live

You can test the payment flow as well as the chargeback flow.

To go live, you need to await registration with our partner Plaid.

### Test the payment flow

In the test environment, the redirect flow mimics the live flow, but not all refusal reasons can be simulated.

To test the payment flow, you can either include a specific amount in your payment request to test a specific scenario, or you can specify **custom\_balances** as your username when you are redirected to confirm the payment.

These are the scenarios you can test:

| Scenario                                                                                                                                     | Username                                                                                                                                       | Amount         |
| -------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------- | -------------- |
| Approved                                                                                                                                     | Not required, but you can use **custom\_chase**, **custom\_boa**, **custom\_citi**, or **custom\_wellsfargo** to test different bank accounts. | USD 3.53       |
| Refused with refusal reason **Failed: Risk of unauthorized returns**                                                                         | Not required, but you can use **custom\_chase**, **custom\_boa**, **custom\_citi**, or **custom\_wellsfargo** to test different bank accounts. | USD 27.53      |
| Test custom transaction amounts with different account balances, such as high value transactions or refusals due to an insufficient balance. | **custom\_balances**                                                                                                                           | Any USD amount |

Entering a username is not required to test the payment flow. Tests without a username all use the same bank account from CITIZENS BANK. The **custom\_balances** username allows you to select from several bank accounts with different balances. For example, if you want to test high value transactions, you can use the **custom\_balances** username and select a bank account with a high balance.

1. Make a test Pay by Bank (US) payment using an amount from the table with scenarios or your own amount.

2. When you are redirected to **First Platypus Bank**, depending on your test scenario, either enter a username or leave this field blank.

3. Leave the password blank and select **Continue**.

4. Check the status of test payments in your [test Customer Area](https://ca-test.adyen.com/)  > **Transactions** > **Payments**.

### Test the chargeback flow

The chargeback mechanism for [Pay by Bank (US) chargebacks](/payment-methods/pay-by-bank-us#chargebacks) relies on the ACH Direct Debit network. You can simulate a Pay by Bank (US) chargeback by providing a username that indicates the chargeback scenario you want to test. In the test environment, the flow goes directly to the Chargeback stage.

1. Send a test Pay by Bank (US) payment request.

2. When redirected to **First Platypus Bank**, specify the following username:

   * **custom\_chargeback\_rXX** where **XX** is the dispute reason code without the leading **R**.\
     You can use any of the [ACH Direct Debit reason codes](/risk-management/understanding-disputes/dispute-reason-codes/#ach-direct-debit).

     Example: the username **custom\_chargeback\_r01** triggers a chargeback with reason code R01 for *Insufficient Funds*.

3. Leave the password blank and select **Continue**.

4. Note that the request succeeds with `resultCode`: **Authorised**.\
   The chargeback flow starts after the test payment is captured and settled.

5. Wait for the [CHARGEBACK](https://docs.adyen.com/api-explorer/Webhooks/latest/post/CHARGEBACK) webhook and check your [test Customer Area](https://ca-test.adyen.com/) > **Revenue & risk** > **Disputes**.\
   The webhook and your Customer Area show a chargeback with the return reason code that you specified in the test payment request.

### Go live

To go live, you need to [add Pay by Bank (US) in your live Customer Area](/payment-methods/add-payment-methods/). Our [partner Plaid](/payment-methods/pay-by-bank-us#plaid-partner) then registers your merchant account with participating banks, including some of the largest banks in the US. The registration takes up to one business week from the moment Plaid has started the process. During this time, your shoppers cannot connect their bank account to Plaid. For this reason, you cannot accept live Pay by Bank (US) payments until the registration process is completed.

We send you a [paymentMethod.created](https://docs.adyen.com/api-explorer/ManagementNotification/latest/post/paymentMethod.created) webhook when you can start accepting live Pay by Bank (US) payments.

## See also

* [API-only integration guide](/online-payments/build-your-integration/advanced-flow?platform=Web\&integration=API%20only)
* [Webhooks](/development-resources/webhooks)
* [Tokenization for recurring payments](/online-payments/tokenization)
* [ACH Direct Debit chargebacks](/risk-management/chargeback-guidelines/ach-chargebacks)
* [Pay by Bank (US) raw refusal responses](/development-resources/raw-acquirer-responses#pay-by-bank-us-raw-responses)
