Server Transactions

Use these APIs when your backend initiates payments directly — no frontend or React SDK required. All calls are authenticated with your API secret and never exposed to the client.

Two patterns are covered here:

• Stored card charge — charge a card you already stored for a customer
• ACH initiation — debit a bank account directly from your server
• Server authorization — place a hold on a stored card, capture later

---

Stored Card Charge

transactions.payments.paymentMethod.charge()

Charges a previously stored payment method. The customer must have a stored card or bank account (merchantCustomerPaymentMethodId).

Parameters

Parameter	Type	Required	Description
merchantTransactionProviderId	string	No	Target a specific configured provider by its internal ID.
transactionProvider	TRANSACTION_PROVIDER	No	Select provider by enum. One of merchantTransactionProviderId or transactionProvider is typically required if you have multiple providers.
data.merchantCustomerPaymentMethodId	string (CUID)	Yes	ID of the stored payment method to charge.
data.merchantInternalTransactionCode	string	Yes	Your idempotency key for this transaction. Must be unique per charge attempt.
data.amount	bigint	Yes	Amount in the smallest currency unit (cents for USD). Use BigInt literals: 1000n = $10.00.
data.currency	CURRENCY	Yes	ISO 4217 currency code, e.g. CURRENCY.USD.
data.billing	BillingDataSchema	Yes	Billing address and contact fields. See Billing fields.
data.merchantInternalCustomerCode	string	No	Deprecated. Use data.customer instead.

Returns: MerchantTransaction — see Transaction Operations.

Code example

import AccruPay, {
  CURRENCY,
  COUNTRY_ISO_2,
} from '@accrupay/node';

const sdk = new AccruPay({ apiSecret: process.env.ACCRUPAY_API_SECRET! });

const transaction = await sdk.transactions.payments.paymentMethod.charge({
  merchantTransactionProviderId: process.env.ACCRUPAY_PROVIDER_ID,
  data: {
    merchantCustomerPaymentMethodId: 'cm1abc123def456ghi789jkl',
    merchantInternalTransactionCode: 'order-9876-charge',
    amount: 4999n, // $49.99
    currency: CURRENCY.USD,
    billing: {
      billingFirstName: 'Jane',
      billingLastName: 'Smith',
      billingEmail: 'jane@example.com',
      billingAddressCountry: COUNTRY_ISO_2.US,
    },
  },
});

console.log(transaction.id, transaction.status);

---

ACH Initiation

transactions.payments.ach.initiate()

Initiates a bank account debit from your server. The customer provides their account and routing numbers. ACH transactions are asynchronous — the returned status is typically PENDING and transitions to SUCCEEDED or FAILED after bank settlement.

Parameters

Parameter	Type	Required	Description
merchantTransactionProviderId	string	No	Target a specific configured provider by its internal ID.
transactionProvider	TRANSACTION_PROVIDER	No	Select provider by enum.
data.merchantInternalTransactionCode	string	Yes	Your unique idempotency key for this transaction.
data.amount	bigint	Yes	Amount in smallest currency unit.
data.currency	CURRENCY	Yes	ISO 4217 currency code.
data.billing	BillingDataSchema	Yes	Billing address and contact fields.
data.storePaymentMethod	boolean	Yes	Whether to save the bank account for future charges.
data.customer	object	No	Customer selector (e.g. { merchantInternalCustomerCode: '...' }).
data.ach.accountNumber	string	Yes	Bank account number.
data.ach.routingNumber	string	Yes	Bank routing (ABA) number.
data.ach.secCode	'CCD' | 'WEB' | 'TEL' | 'UNKNOWN'	No	NACHA Standard Entry Class code. Defaults to provider behavior if omitted.
data.ach.entityType	ENTITY_TYPE	No	Whether the account holder is an individual or business.

SEC codes

Code	Use case
CCD	Corporate credit or debit — business-to-business payments.
WEB	Internet-initiated — consumer payments authorized online.
TEL	Telephone-initiated — consumer payments authorized by phone.
UNKNOWN	SEC code is not known or not applicable.

note

ACH transactions settle asynchronously through the banking network. The response status is typically PENDING at the time of return. Use webhooks or transactions.syncOne() to detect final settlement.

Returns: MerchantTransaction — see Transaction Operations.

Code example

import AccruPay, {
  CURRENCY,
  COUNTRY_ISO_2,
  ENTITY_TYPE,
} from '@accrupay/node';

const sdk = new AccruPay({ apiSecret: process.env.ACCRUPAY_API_SECRET! });

const transaction = await sdk.transactions.payments.ach.initiate({
  merchantTransactionProviderId: process.env.ACCRUPAY_PROVIDER_ID,
  data: {
    merchantInternalTransactionCode: 'ach-order-1234',
    amount: 25000n, // $250.00
    currency: CURRENCY.USD,
    storePaymentMethod: true,
    customer: {
      merchantInternalCustomerCode: 'customer-abc',
    },
    billing: {
      billingFirstName: 'John',
      billingLastName: 'Doe',
      billingEmail: 'john@example.com',
      billingAddressCountry: COUNTRY_ISO_2.US,
    },
    ach: {
      accountNumber: '1234567890',
      routingNumber: '021000021',
      secCode: 'WEB',
      entityType: ENTITY_TYPE.INDIVIDUAL,
    },
  },
});

// status is likely PENDING — poll or use webhooks
console.log(transaction.id, transaction.status);

---

Server Authorization

A server authorization places a hold on a stored payment method without capturing funds. Use this when you need to confirm availability now and capture later (e.g. after fulfillment).

serverSessions.authorizations.paymentMethod.start()

Starts an authorization hold on a stored payment method.

Parameters

Parameter	Type	Required	Description
merchantTransactionProviderId	string	No	Target a specific configured provider by its internal ID.
transactionProvider	TRANSACTION_PROVIDER	No	Select provider by enum.
data.merchantCustomerPaymentMethodId	string (CUID)	Yes	ID of the stored payment method to authorize.
data.merchantInternalTransactionCode	string	Yes	Your unique idempotency key for this authorization.
data.amount	bigint	Yes	Amount to authorize in smallest currency unit.
data.currency	CURRENCY	Yes	ISO 4217 currency code.
data.billing	BillingDataSchema	Yes	Billing address and contact fields.

Returns: Session context object containing customer, paymentMethod, session, transactionProvider, and transactions.

serverSessions.authorizations.paymentMethod.verify()

Retrieves the current state of a server authorization session.

note

Server sessions do not have a client token. Unlike client sessions, you cannot verify by token — only by id, merchantInternalTransactionCode, or providerCode.

Parameters

Parameter	Type	Required	Description
id	string	No	Session ID returned from start().
merchantInternalTransactionCode	string	No	Your transaction code used when starting the session.
providerCode	string	No	Provider-assigned session identifier.

At least one identifier must be provided. Returns: Session context object (same shape as start()).

Code example

import AccruPay, {
  CURRENCY,
  COUNTRY_ISO_2,
} from '@accrupay/node';

const sdk = new AccruPay({ apiSecret: process.env.ACCRUPAY_API_SECRET! });

// 1. Place the hold
const authSession = await sdk.serverSessions.authorizations.paymentMethod.start({
  merchantTransactionProviderId: process.env.ACCRUPAY_PROVIDER_ID,
  data: {
    merchantCustomerPaymentMethodId: 'cm1abc123def456ghi789jkl',
    merchantInternalTransactionCode: 'order-5555-auth',
    amount: 10000n, // $100.00
    currency: CURRENCY.USD,
    billing: {
      billingFirstName: 'Jane',
      billingLastName: 'Smith',
      billingEmail: 'jane@example.com',
      billingAddressCountry: COUNTRY_ISO_2.US,
    },
  },
});

console.log(authSession.session.id, authSession.transactions);

// 2. Later — verify the authorization state
const verified = await sdk.serverSessions.authorizations.paymentMethod.verify({
  merchantInternalTransactionCode: 'order-5555-auth',
});

// 3. Capture or void — see Transaction Operations

To capture or void after authorization, use transactions.authorizations.settle() and transactions.authorizations.void() — documented in Transaction Operations.

---

Billing fields

BillingDataSchema — all fields are optional unless your provider requires them.

Field	Type	Description
billingFirstName	string	Cardholder first name.
billingLastName	string	Cardholder last name.
billingEmail	string	Billing email address.
billingPhone	string	Billing phone number.
billingAddressLine1	string	Street address line 1.
billingAddressLine2	string	Street address line 2.
billingAddressCity	string	City.
billingAddressState	string	State or region.
billingAddressPostalCode	string	Postal code.
billingAddressCountry	COUNTRY_ISO_2	ISO 3166-1 alpha-2 country code.