post
https://sandbox-api-gtw.softpoint.io/api/locations//ach/tokens
Tokenizes a customer's bank account, returning a token that can be used in future ACH transactions without transmitting raw account details
Request Headers
| Header | Required | Description |
|---|---|---|
| Authorization | Yes | Bearer YOUR_ACCESS_TOKEN |
| Content-Type | Yes | application/json |
Path Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
location_id | string | Yes | Identifier of the location where the token will be created |
Request Body Parameters
| Field | Type | Required | Notes |
|---|---|---|---|
customerFirstName | string | Yes | Account holder first name (required by TRX) |
customerLastName | string | Yes | Account holder last name (required by TRX) |
customerName | string | Conditional | Full name. May be replaced by first/last name |
customerBankAccountType | string | Yes | Examples: checking, savings, general_ledger |
customerBankAccountClassification | string | Yes | Examples: personal_account, business |
customerBankAccountNumber | string (numeric) | Yes | Bank account number |
customerBankRoutingNumber | string | Yes | ABA routing number |
customerAddress | string | No | Street address of the account holder. Required by Monarch |
customerCity | string | No | City of the account holder. Required by Monarch |
customerState | string | No | State of the account holder (2-letter code). Required by Monarch |
customerZipCode | string | No | ZIP or postal code. Required by Monarch |
customerCountry | string | No | Country of the account holder (e.g. USA). Required by Monarch |
customerPhone | string | No | Phone number of the account holder. Required by Monarch |
customerEmail | string | No | Email address of the account holder. Required by Monarch |
customerIdNumber | string | No | Stored as the token's external customer ID |
customerBankName | string | No | Returned as-is in the response |
customerDateOfBirth | string | No | Date of birth in YYYY-MM-DD format. Required by Monarch |
user_id | string | No | External caller's user ID |
guest_id | integer | No | SP guest ID for in-house systems |
Response
200 — Success
Returns the created token and masked bank account details.
{
"token": "08TRxiPCLYc1",
"cardfullname": "David Taylor",
"ach_account_number": "****8632",
"ach_account_routing": "****0022",
"ach_bank_name": "Capital One"
}Response Fields
| Field | Type | Description |
|---|---|---|
token | string | The generated ACH token to use in future transactions |
cardfullname | string | Full name of the account holder as stored |
ach_account_number | string | Masked bank account number (last 4 digits visible) |
ach_account_routing | string | Masked routing number (last 4 digits visible) |
ach_bank_name | string | Bank name as provided in the request |
Notes
Processor-Specific Required Fields
TRX Required Fields
customerFirstNamecustomerLastNamecustomerBankRoutingNumbercustomerBankAccountNumbercustomerBankAccountTypecustomerBankAccountClassification
customerNamecan be considered optional or legacy if first and last name are provided.
Monarch Required Fields
customerBankAccountType(e.g.checking,savings,general_ledger)customerBankAccountClassification(e.g.business,personal_account)customerBankAccountNumber(e.g.1234567890)customerBankRoutingNumber(e.g.021000021,072000326)customerBankNamecustomerEmailcustomerPhonecustomerAddresscustomerCitycustomerStatecustomerZipCodecustomerCountrycustomerDateOfBirth(format:YYYY-MM-DD)
CliqACH Required Fields
customerNamecustomerBankAccountTypecustomerBankAccountNumbercustomerBankRoutingNumber