> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pushcash.com/llms.txt
> Use this file to discover all available pages before exploring further.

# ACH Save

## Overview

ACH Save recovers eligible declined debit card transactions by retrying them over ACH. Many card declines are recoverable — issuers routinely decline legitimate transactions due to outdated risk rules, expired cards, or system errors. ACH Save lets the user re-authorize the same purchase through an authenticated bank flow.

### How it works

1. Invoke ACH save from your existing card processing flow when an eligible transaction is declined.
2. Push evaluates the transaction's risk and, if approved, returns a link where the user can login to their bank.
3. After the user authenticates and links their checking account, Push re-authorizes the transaction and originates the payment over ACH.

<Note>
  ACH Save is a pilot program on eligible BIN ranges and risk thresholds. Reach out to your Push Cash representative for details about what transactions qualify for ACH Saves.
</Note>

## Integration overview

The steps below show an overview of how to integrate ACH Save.

1. **Register the user.** Call the [create-user](./apireference/user/create-user) endpoint with the user's name, email, address, and phone number.
   * Retain the returned user `id` for the Authorization call (see step 3)
   * Register each user **only once**

2. **Generate a token.** Call the [tokenize-card](./apireference/tokenization/tokenize-card) endpoint with the user's `pan`
   * Retain the returned `token` for the Authorization call (see step 3)
   * To avoid sharing the full card number, mask the middle digits 8–12 with `XXXX` and only transmit the BIN and last four of the user's card.

3. **Authorize the payment.** Call the [authorize-payment](./apireference/authorization/authorize-payment) endpoint with the `amount`, `currency`, `direction: cash_in`, `type: ach_save`, `user_id`, the `token` from the previous step, and a `redirect_url`. Handle the response by its HTTP status code:
   * **`202 Accepted`** — the user must complete bank authentication. Persist the returned intent `id`, then continue to step 4 using the returned `url`.
   * **`200 OK`** — the payment was approved immediately (i.e. for a returning user whose bank is already linked). Notify the user that the deposit succeeded.
   * **`401 Unauthorized`** — the payment was declined (e.g. due to transaction risk)

4. **Direct the user to complete bank authentication** Navigate the user to the `url` returned from the Authorize call. When the flow completes, the user is returned to your application via the `redirect_url` you set on the authorize request.

5. **Retrieve the ACH authorization result.** Call the [get-an-intent](./apireference/intent/get-an-intent) endpoint and inspect the `status` field.
   * If `status` is `approved`, Push authorized the payment and automatically originates it over ACH. Update your internal transaction record and display a message to the user that the payment succeeded.
   * If `status` is `declined`, Push could not approve the payment for ACH (e.g. due to insufficient balance).

<RequestExample>
  ```bash Register User theme={null}
  curl --request POST \
    --url https://sandbox.pushcash.com/user \
    --header 'Authorization: Bearer <token>' \
    --header 'Content-Type: application/json' \
    --data '
  {
    "name": {
      "first": "Alfred",
      "last": "Hitchcock"
    },
    "email": "alfred@imdb.com",
    "address": {
      "address_line_1": "1609 10th Ave",
      "locality": "Bodega Bay",
      "administrative_area": "CA",
      "postal_code": "94923",
      "country": "US"
    },
    "phone_number": "(555) 681-3485",
    "tag": "4c8e6b4f"
  }
  '
  ```

  ```bash Generate Token theme={null}
  curl --request POST \
    --url https://sandbox-tokens.pushcash.com/tokenize \
    --header 'Authorization: Bearer <token>' \
    --header 'Content-Type: application/json' \
    --data '
  {
    "pan": "55555555XXXX4444"
  }
  '
  ```

  ```bash Authorize Payment theme={null}
  curl --request POST \
    --url https://sandbox.pushcash.com/authorize \
    --header 'Authorization: Bearer <token>' \
    --header 'Content-Type: application/json' \
    --data '
  {
    "amount": 45000,
    "currency": "USD",
    "direction": "cash_in",
    "type": "ach_save",
    "user_id": "user_lVpbPL0K1XIiHx0DxipRbD",
    "token": "token_mbDRHFi3dxIZEtykHsgUGC",
    "redirect_url": "https://yourapp.com/checkout/?29080389002"
  }
  '
  ```

  ```bash Retrieve ACH Authorization Result theme={null}
  curl --request GET \
    --url https://sandbox.pushcash.com/intent/intent_sandbox_dMggQ93ZYH6DH9LBhVeijE \
    --header 'Authorization: Bearer <token>'
  ```
</RequestExample>

<ResponseExample>
  ```json Register User - 200 OK theme={null}
  {
    "id": "user_lVpbPL0K1XIiHx0DxipRbD"
  }
  ```

  ```json Generate Token - 200 OK theme={null}
  {
    "token": "token_mbDRHFi3dxIZEtykHsgUGC"
  }
  ```

  ```json Authorize - 202 Accepted (Authentication Required) theme={null}
  {
    "id": "intent_sandbox_dMggQ93ZYH6DH9LBhVeijE",
    "url": "https://cdn.pushcash.com/ux/intent_sandbox_dMggQ93ZYH6DH9LBhVeijE"
  }
  ```

  ```json Authorize - 200 OK (Approved) theme={null}
  {
    "id": "intent_sandbox_dMggQ93ZYH6DH9LBhVeijE",
    "amount": 45000,
    "direction": "cash_in",
    "currency": "USD",
    "credential": {
      "display_name": "Chase Checking",
      "last4": "6018"
    }
  }
  ```

  ```json Authorize - 401 Unauthorized (Declined) theme={null}
  {
    "id": "intent_sandbox_dMggQ93ZYH6DH9LBhVeijE",
    "decline_category": "insufficient_funds"
  }
  ```

  ```json Retrieve Result - Approved theme={null}
  {
    "id": "intent_sandbox_dMggQ93ZYH6DH9LBhVeijE",
    "status": "approved"
  }
  ```

  ```json Retrieve Result - Declined theme={null}
  {
    "id": "intent_sandbox_dMggQ93ZYH6DH9LBhVeijE",
    "status": "declined"
  }
  ```
</ResponseExample>

## Next steps

Set up webhooks to receive `intent.approved` and decline notifications asynchronously. See the [enabling webhooks](./enabling-webhooks) guide.