---
title: "Authorisation for ACH Direct Debit"
url: "https://docs.adyen.com/development-resources/batch-processing/advanced-sftp-batch-files/batch-request-file/authorisation-request-file/authorisation-for-ach-direct-debit"
source_url: "https://docs.adyen.com/development-resources/batch-processing/advanced-sftp-batch-files/batch-request-file/authorisation-request-file/authorisation-for-ach-direct-debit.md"
canonical: "https://docs.adyen.com/development-resources/batch-processing/advanced-sftp-batch-files/batch-request-file/authorisation-request-file/authorisation-for-ach-direct-debit"
last_modified: "2019-04-30T14:25:00+02:00"
language: "en"
---

# Authorisation for ACH Direct Debit

[View source](/development-resources/batch-processing/advanced-sftp-batch-files/batch-request-file/authorisation-request-file/authorisation-for-ach-direct-debit.md)

## Mandatory sub-lines

The [`PaymentDetails` ](#paymentdetails), [`BankAccount` ](#bankaccount), and [`Address` ](#address)sub-lines described below are mandatory when submitting a bank transfer or a ACH Direct Debit (DD) payment authorisation request.

### PaymentDetails

This sub-line specifies transaction amount and customer details.\
\
Optional fields: if you do not populate one or more non-mandatory fields and leave them blank, you need in any case to insert delimiting commas because the Adyen payments platform expects a preset, fixed number of fields per line/sub-line.

| **Field #** | **Format**                    | **Required**                                                                                | **Description**                                                                                                                                                                                                              |
| ----------- | ----------------------------- | ------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| 1           | Fixed value: `SL`             | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Record type identifier                                                                                                                                                                                                       |
| 2           | Numeric                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | `SL` sub-line record number reference within its parent line.The counter starts at 1, and it increments sequentially by one unit.                                                                                            |
| 3           | Fixed value: `PaymentDetails` | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Transaction type. Defines the required field types for the specific sub-line.                                                                                                                                                |
| 4           | Numeric                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Amount.                                                                                                                                                                                                                      |
| 5           | Numeric                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The [currency exponent](https://en.wikipedia.org/wiki/ISO_4217#Treatment_of_minor_currency_units_.28the_.22exponent.22.29).                                                                                                  |
| 6           | Alphabetic                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The three-character [ISO currency code](https://en.wikipedia.org/wiki/ISO_4217).                                                                                                                                             |
| 7           | Alphanumeric                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | A shopper's reference, which is the unique identifier for a shopper.Required element for recurring payments and to create [recurring contracts](/online-payments/classic-integrations/classic-api-integration/tokenization). |
| 8           | Email address                 | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | The shopper's email address.                                                                                                                                                                                                 |
| 9           | Alphanumeric                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | Shopper statement. The soft [descriptor](https://en.wikipedia.org/wiki/Billing_descriptor) for the transaction.                                                                                                              |
| 10          | IP address                    | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | The IP address the shopper used to carry out the transaction.                                                                                                                                                                |
| 11          | Numeric                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | Fraud offset. The value to be applied to offset the calculated risk score. It can be either a positive or a negative value.                                                                                                  |

### BankAccount

* This sub-line holds information about bank transfer payments carried out using the shopper's bank account details.
* In an authorisation request for bank account payments, the `BankAccount` sub-line needs to be submitted as *sub-line 2*.

| **Field #** | **Format**                 | **Required**                                                                                | **Description**                                                                                                                                                                                                                                                                                                  |
| ----------- | -------------------------- | ------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| 1           | Fixed value: `SL`          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Record type identifier                                                                                                                                                                                                                                                                                           |
| 2           | Numeric                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | `SL` sub-line record number reference within its parent line. The counter starts at 1, and it increments sequentially by one unit.                                                                                                                                                                               |
| 3           | Fixed value: `BankAccount` | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Transaction type. Defines the required field types for the specific sub-line.                                                                                                                                                                                                                                    |
| 4           | Alphabetic                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Two-letter bank account owner name.* Format: `AA`                                                                                                                                                                                                                                                                |
| 5           | Alphabetic                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Two-letter country code. The `country` value format needs to adhere to the [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) standard. An invalid country code results in a transaction/request rejection. You can [look up country codes](https://www.iso.org/obp/ui/) on the ISO website. |
| 6           | Numeric                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Bank account number.                                                                                                                                                                                                                                                                                             |
| 7           | Numeric                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ABA routing number/ Branch location number.                                                                                                                                                                                                                                                                      |

### Address

You can use the `Address` sub-line to include information about the shopper's billing and delivery addresses.\
You need to specify billing and deliver addresses on separate `Address` sub-lines:

* One `Address` sub-line containing the billing address information;
* One `Address` sub-line containing the delivery address information.

| **Field #** | **Format**                              | **Required**                                                                                | **Description**                                                                                                                                                                                                                                                                                                  |
| ----------- | --------------------------------------- | ------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| 1           | Fixed value: `SL`                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Record type identifier                                                                                                                                                                                                                                                                                           |
| 2           | Numeric                                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | `SL` sub-line record number reference within its parent line. The counter starts at 1, and it increments sequentially by one unit.                                                                                                                                                                               |
| 3           | Fixed value: `Address`                  | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Transaction type. Defines the required field types for the specific sub-line.                                                                                                                                                                                                                                    |
| 4           | Allowed values:* `Billing`
* `Delivery` | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The type of address that is being submitted: either a billing or a delivery address.                                                                                                                                                                                                                             |
| 5           | Alphanumeric                            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Street address.                                                                                                                                                                                                                                                                                                  |
| 6           | Alphanumeric                            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | House number or name.                                                                                                                                                                                                                                                                                            |
| 7           | Alphanumeric                            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | City.                                                                                                                                                                                                                                                                                                            |
| 8           | Alphanumeric                            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ZIP/Post code.                                                                                                                                                                                                                                                                                                   |
| 9           | Alphanumeric                            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | State/Province/Region.                                                                                                                                                                                                                                                                                           |
| 10          | Alphabetic                              | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Two-letter country code. The `country` value format needs to adhere to the [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) standard. An invalid country code results in a transaction/request rejection. You can [look up country codes](https://www.iso.org/obp/ui/) on the ISO website. |

Sample authorisation for ACH Direct Debit file:

```
SL,1,PaymentDetails,100,2,USD,,,,,
SL,2,BankAccount,Adyen Inc,US,4780345603,066000359
SL,3,Address,Billing,South Buena Vista Street,500,Burbank,91521,CA,US
```
