EFT Payments

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Step 1: Tokenize Bank Account

POST {{domain}}/api/v1/tokens
{
    "bank_account": {
        "account_number": "12341234",
        "account_holder_name": "John Smith",
        "transit_number": "12345",
        "institution_number": "001",
        "currency": "CAD",
        "country": "CAN"
    }
}

{
    "data": {
        "account_holder_name": "John Smith",
        "account_number": "12341234",
        "country": "CAN",
        "currency": "CAD",
        "institution_number": "001",
        "last_four_digits": "1234",
        "risk_level": "medium",
        "routing_number": "000112345",
        "token": "batk_Qga-ueYOlW7KAhkgZ5DtF4406812DFC3C1234",
        "transit_number": "12345",
        "type": "bank_account"
    }
}

Step 2: Create Account Holder

POST {{domain}}/api/v1/account_holders
{
  "type": "individual",
  "email": "[email protected]",
  "first_name": "John",
  "last_name": "Smith"
}

{
    "data": {
        "email": "[email protected]",
        "id": 5,
        "type": "individual"
    }
}

Step 3: Create Financial Account

POST {{domain}}/api/v1/account_holders/:id/financial_accounts
{
  "token": "batk_Qga-ueYOlW7KAhkgZ5DtF4406812DFC3C1234"
}

{
    "data": {
        "account_holder_id": 3,
        "account_holder_name": "John Smith",
        "account_number": "12341234",
        "country": "CAN",
        "currency": "CAD",
        "id": "eft_3_batk_Qga-ueYOlW7KAhkgZ5DtF4406812DFC3C1234",
        "institution_number": "001",
        "last_four_digits": "1234",
        "network_type": "eft",
        "risk_level": "medium",
        "routing_number": "000112345",
        "status": "active",
        "transit_number": "12345",
        "type": "bank_account"
    }
}

Card Issuing

Step 1: Create an External Account

POST '{{domain}}/api/v1/card_issuing/cardholders/:id/external_accounts' \
{
  "data": {
    "id": 28,
    "name": "My Scocia Account",
    "type": "personal_account",
    "vanity_identifier": "eft_3_batk_Qga-ueYOlW7KAhkgZ5DtF4406812DFC3C1234"
  }
}

{
  "data": {
    "cardholder_id": 418,
    "created_at": "2021-02-09T02:21:08Z",
    "id": 28,
    "name": "My Scocia Account",
    "type": "person_to_person",
    "updated_at": "2021-02-09T02:21:08Z"
  }
}

Step 2: Create Transaction

POST '{{domain}}/api/v1/card_issuing/external_transfers'
{
  "account_id": 20,
  "external_account_id": 1,
  "amount": 1000,
  "transfer_type": "direct_send_transaction",
  "external_tag": "DEMO",
  "message": "For Me",
  "descriptor": "descriptor", // Optional, EFT only.  Description that will appear on the EFT recipt. Has a default set up by operations.
  "originator_id": 1, // Optional, EFT only. Originator short and long name that will appear on the EFT recipt. Has a default set up by operations.
}

{
  "data": {
    "id": 22,	
    "company_id": "1",
    "program_id": 44,
    "cardholder_id": 418,
    "account_id": 20,	
    "external_account_id": 1,
    "external_tag": "DEMO",
    "transfer_type": "direct_send_transaction",
    "direct_send_reference": "dasads4554af55".
    "amount": 2000,
    "message": "Test",
    "direct_send_status": "approved",
    "created_at": "2020-09-11T20:03:52Z",
    "updated_at": "2020-09-11T20:03:54Z"
  }
}

Originator Names

Counterparty Financial Institution Counterparty Financial Institution Bank Statement EFT Description Mapping 
BMO[Originator Short Name] + [CPA Code Abbreviation]
CIBC[Transaction Descriptor] + [Originator Long Name]
Desjardins[Transaction Flow] + [Originator Long Name]
RBC[CPA Code Full Description] + [Originator Short Name]
Scotiabank[CPA Code Full Description] + [Originator Long Name]
TD Canada Trust[Originator Short Name] + [CPA Code Abbreviation]
Field Field Description 
Originator Short Name 

(15 characters)		Your company name in short form. Berkeley will capture this when setting up your production service account
Originator Long Name 

(30 characters)		Your company name. Berkeley will capture this when setting up your production service account
CPA Code Full DescriptionCPA Code full description as referenced in Standard 007 (“Full” column)
CPA Code AbbreviationCPA Code full description as referenced in Standard 007 (“Abbreviations” column)
Transaction FlowA description indicating whether the transaction is a CREDIT or a DEBIT
Transaction Descriptor 

(15 characters)		This field is used to provide additional information to identify the transaction to the payee/payor e.g. pay period, loan number, insurance policy number, etc. 

You can optional provide this information on a transactional basis through the transactionDescriptor field. 

Refer to: 6.4.1Creating an EFTCreating an EFT

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Related pages:

API Flows
Card Issuing API Quickstart Guide
Codes, Statuses and Errors