Bank Of America

This page provides an overview of the payments methods provided by the Bank Of America adapter in the IXOPAY platform. It also includes a full list of all configuration options available to you when integrating Bank Of America within your payments landscape, as well as an overview of the parameters required when submitting a transaction via IXOPAY's API.

The Bank of America Adapter differs in its behavior from an ordinary Adapter. It does not directly communicate with any Bank of America provided Endpoint to process transactions. It is solely responsible for Transaction creation (and validation), to be processed later on with a so called Provider.

Please consult the official Bank of America NACHA File Spec User Guide for indepth information about individual Parameters.

Payment Methods

Payment Method	Transaction Flows	Transaction Types
ACH-Direct-Debit	SFTP Up-/Download	Debit

Connector Config

Parameter / Name	Required	Default	Allowed Value	Description
standardEntryClass	true	CCD	-	The Standard Entry Class (SEC) in which the Transaction should be processed later on.
batchServiceClassCode	true	200	-	The Service Class Code that the Batch should receive. "200": Indicates mixed Batch, "220": For Credits only, "225": For Debits only
batchCompanyEntryDescription	true	PAYROLL	-	Required Description displayed to the Receiver.
batchOriginatingDfiId	true	-	max. 8 digits	Provided by Bank of America.
batchCompanyId	true	-	max. 10 chars	Provided by Bank of America.
batchCompanyDiscretionaryData	false	-	max. 20 chars	For your Company's internal use.
batchIATOriginISOCurrency	conditional	-	max. 3 chars	Required if Standard Entry Class "IAT" is selected. Origin ISO Currency Code of containing Transactions.
batchIATDestinationISOCurrency	conditional	-	max. 3 chars	Required if Standard Entry Class "IAT" is selected. Destination ISO Currency Code of containing Transactions.
batchIATDestinationISOCountryCode	conditional	-	max. 2 chars	Required if Standard Entry Class "IAT" is selected. Destination ISO Country Code of containing Transactions.

Transaction Parameters

Name	Type	Required	Allowed Value	Description
extraData	object	true		object containing key-value pairs (string-to-string)
extraData.accType	string	true	checking or checkings / savings	Account Type of Payment Origin.
extraData.accNum	string	true	max. 17 chars	Account Number of Payment Origin.
extraData.routingNum	string	true	max. 9 chars	Routing Number of Payment Origin.
extraData.originAddress	string	conditional	max. 35 chars	Required if Standard Entry Class "IAT" is selected.
extraData.originCity	string	conditional	max. 17 chars	Required if Standard Entry Class "IAT" is selected.
extraData.originState	string	conditional	max. 17 chars	Required if Standard Entry Class "IAT" is selected.
extraData.originCountry	string	conditional	max. 17 chars	Required if Standard Entry Class "IAT" is selected.
extraData.originPostalCode	string	conditional	max. 17 chars	Required if Standard Entry Class "IAT" is selected.
extraData.receivingDFIName	string	conditional	max. 35 chars	Required if Standard Entry Class "IAT" is selected.
extraData.receivingDFIIdentificationNumberQualifier	string	conditional	max. 2 chars	Required if Standard Entry Class "IAT" is selected.
extraData.receivingDFIIdentificationNumber	string	conditional	max. 34 chars	Required if Standard Entry Class "IAT" is selected.
extraData.receivingDFIBranchCountryCode	string	conditional	max. 3 chars	Required if Standard Entry Class "IAT" is selected.
customer.firstName & customer.lastName to build the fullName	string	conditional	max 35 chars for IAT else concatinated by a space max 22 chars	Required if Standard Entry Class "PPD|TEL|WEB" is selected. For IAT either those fields or customer.company has to be provided. All chars greater than the allowed max, will be stripped.
customer.company	string	conditional	max 35 chars for IAT, max 16 char for CTX	Required if Standard Entry Class "CCD|CTX" is selected. For IAT either this field or (customer.firstName & customer.lastName) have to be provided. All chars greater than the allowed max, will be stripped.

Error Code Mapping

Error Code	Provider Error Code	Provider Error Message
2006	R01	Insufficient Funds
2001	R02	Account Closed
2007	R03	No Account/Unable to Locate Account
2007	R04	No Account/Unable to Locate Account
2003	R05	Unauthorized Debit to Consumer Account Using Corporate SEC
2003	R06	Returned Per ODFI's Request'
2003	R07	Authorization Revoked by Customer
2012	R08	Payment Stopped
2006	R09	Uncollected Funds
2003	R10	Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver's Account
2003	R11	Customer Advises Entry Not in Accordance with the Terms of the Authorization
2012	R12	Branch Sold to Another DFI
2007	R13	Invalid ACH Routing Number
2012	R14	Representative Payee Deceased or Unable to Continue in that Capacity
2012	R15	Beneficiary or Account Holder Deceased
2001	R16	Account Frozen
2012	R17	File Record Edit Criteria
2012	R18	Improper Effective Entry Date
2007	R20	Non-Transaction Account
2007	R21	Invalid Company Identification
2007	R22	Invalid Individual ID Number
2003	R23	Credit Entry Refused by Receiver
3004	R24	Duplicate Entry
2007	R25	Addenda Error
2007	R26	Mandatory Field Error
2007	R27	Trace Number Error
2007	R28	Routing Number Check Digit Error
2003	R29	Corporate Customer Advises Not Authorized
2003	R31	Permissible Return Entry (CCD and CTX only)
2003	R33	Return of XCK Entry
2003	R34	Limited Participation DFI
2003	R35	Return of Improper Debit Entry
2003	R36	Return of Improper Credit Entry
2003	R37	Source Document Presented for Payment
2003	R38	Stop Payment on Source Document
2007	R39	Improper Source Document
2003	R50	State Law Affecting RCK Acceptance
2007	R51	Item Ineligible, Notice Not Provided, Signature Not Genuine, or Amount of Entry Not Accurately Obtained from Item
2003	R52	Stop Payment on RCK Item (adjustment entries)
2003	R53	Item and ACH Entry Presented for Payment
2007	C01	Incorrect DFI Account Number
2007	C02	Incorrect Routing Number
2007	C03	Incorrect Routing Number & Incorrect DFI Account Number
2007	C04	Incorrect Individual Name/Receiving Company Name
2007	C05	Incorrect Transaction Code
2007	C06	Incorrect DFI Account Number and Incorrect Transaction Code
2007	C07	Incorrect Routing Number, Incorrect DFI Account Number and Incorrect Transaction Code
2007	C09	Incorrect Individual Identification Number
2007	C13	Addenda Format Error