Create transaction

put

https://api.valmarpayments.com/transactions

Submits a new ACH, RCC, RTP, P2C, or CRD transaction. Validates routing numbers, checks fraud filters, and applies transaction limits. Fraud denials and limit violations return 201 with status: DECLINED or HELD in the response body. Returns immediately; settlement and batching happen asynchronously.

Query Params

entityUuid

uuid

Entity UUID to act as Required when authenticating with a Bearer token; may be omitted with Basic (API key) authentication, where the entity is resolved from the API key.

Body Params

Transaction create request

amount

integer

required

≥ 0

Amount of the transaction in cents (e.g. 10000 = $100.00). Must be positive for CRD auth_only and auth_capture transactions.

companyUuid

string

crdAction

string

enum

Required for CRD transactions. Determines the card transaction flow: avs_only verifies the billing address without authorizing funds; auth_only authorizes the card but does not capture (authorizations expire after 7 days and must be captured separately); auth_capture authorizes and captures in a single request and is included in the next batch settlement.

Allowed:

customerEmail

string

description

string

effectiveDate

string

Format: YYYY-MM-DD. The date to schedule the payment for; must not be in the past. If not supplied it defaults to the current date (next processing time) and the applied effective date is returned in the response.

externalCustomerId

string

externalUniqueID

string

A unique ID supplied by merchants for their own processing. This ID is passed along with the transaction.

geoVerification

object

idempotencyKey

string

length ≤ 100

A unique ID supplied to prevent duplicate submission. If duplicate checking is enabled for a merchant, submitting a transaction with an idempotency key that has already been used places the transaction in a Held status.

ingestionFileUuid

string

memo

string

method

string

enum

required

The method of the transaction. RTP transactions may take up to 30 seconds to complete based on configuration and financial institution. CRD transactions process card payments through the TSYS Sierra card network.

Allowed:

paymentDetails

object

required

Information regarding the payment method. Required fields vary by method.

recurringDetails

object

requestAvs

boolean

Request AVS verification for CRD transactions (for auth_only and auth_capture actions)

standardEntryClassCode

string

enum

Must be specified when method is ACH. The Standard Entry Class (SEC) code for the transaction.

submittedForDate

string

type

string

enum

required

The type of the transaction.

Allowed:

Responses

201Transaction created

400Invalid request body or business validation failure

401Missing or invalid bearer token

403Insufficient permissions for this action

422Chirp/Plaid funds gate failure (unverified bank or insufficient balance)

500Internal server error

503Chirp or Plaid integration not configured for this environment