Introduction

ACH (Automated Clearing House) is a US-based financial network used for electronic payments and money transfers. ACH payments, also known as “direct payments”, are a way to transfer money from one bank account to another without using paper checks, credit card networks, wire transfers, or cash.

Nuvei supports a growing number of ACH APM integrations, which are available via our payment technology platforms.

This guide describes how to integrate the following ACH APMs into your payment flows:

• The “Bank Transfer (ACH)” APM
• The “Secure Bank Transfer” APM

Supported Countries

• United States

Supported Currencies

• USD

APM Overview

Bank Transfer (ACH) APM

Secure Bank Transfer APM

Nuvei’s Secure Bank Transfer ACH solution allows e-commerce merchants in the US to accept ACH payments. Third-party verification tools (like Plaid) are utilized by Nuvei, to validate transactions in real-time, validate consumers, as well as generate consumer risk assessments.

Prerequisites and Notes

• This document assumes that you have completed all the account setup prerequisites, and are ready to integrate the APMs into your payment flow.
• ACH only supports US-based IPs. IP addresses outside the US do not work.
• Transactions are conducted in US Dollars.
• Test credentials and testing scenarios should be obtained from Nuvei.
• You can contact Nuvei Support for any type of assistance.

Platform-Specific Notes

Press tab to open…

Bank Transfer (ACH)

You can use the Bank Transfer (ACH) APM integration to perform payments (deposits), payouts (withdrawals), refunds, and voids.

Nuvei stores your customer’s bank account details in an encrypted UPO (User Payment Option) record in the Nuvei system. A UPO represents a customer bank account or another payment method, for use in future transactions with no need for the customer to enter their payment details again.

Contact Nuvei Support for implementation support.

Payments

The payment flow begins on your payment page when a customer selects the Bank Transfer (ACH) payment method.

• For a new customer, or for payment method details that were not previously captured, follow the steps in the Payment (without UPO).
• For a “returning customer”, offer them the option to select one of their previously captured payment methods. Follow the steps in the Payment (with UPO).

Payouts

• Payout

Refunds

• See the Refund topic.

Voids

• See the Void topic.

Prerequisites and Notes

1. A userPaymentOptionId (UPO) represents the customer’s bank account in the Nuvei system. It can be used in future payment transactions to represent the customer’s bank account details.
2. A preApprovalId is stored in the UPO record. This is used by the system to automatically approve certain payment transactions when this payment method is used in the future.
   A preApprovalId indicates that:
   • The specified customer payment method is authenticated, and there is no need to perform the authentication process again.
   • If this is an initial recurring payment, then the customer allows you to create subsequent recurring payments on their behalf, without their presence, according to some rebilling agreement.

Payment (without UPO)

Follow the relevant steps for each environment:

Press tab to open…

sfc.createPayment({
  sessionToken: "<sessiontoken>",
  paymentOption: {
    alternativePaymentMethod: {
      paymentMethod: "apmgw_ACH",
      AccountNumber: document.getElementById("AccountNumber").value,
      RoutingNumber: document.getElementById("RoutingNumber").value
    }
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  billingAddress: {
    firstName: "John",
    lastName: "Smith",
    phone: "6175551414",
    address: "22 Main Street",
    city: "Boston",
    zip: "02460",
    state: "MA",
    country: "US"
  },
  userDetails: {
    firstName: "John",
    lastName: "Smith",
    phone: "6175551414",
    address: "22 Main Street",
    city: "Boston",
    zip: "02460",
    state: "MA",
    country: "US"
    identification: "123456789"
  }
}, function(res) {
  console.log(res);
})

Handling the Response

As the transaction progresses in the flow from PENDING to UPDATE to APPROVED, you receive responses and DMNs:

1. transactionStatus=PENDING:
   The request returns:
   • A response that includes transactionStatus: PENDING and a "userPaymentOptionId".
     

     Example of Some Parameters Returned

     {
       ...
       ...
       "transactionId":"36682151",
       "paymentOption": {
         "userPaymentOptionId": "8100521",
         "card": {}
       },
       "transactionStatus": "PENDING",
       ...
       ...
     }

   • A DMN containing status=PENDING.
     See Example DMN with status=PENDING.
2. transactionStatus=UPDATE:
   • After a short time period, a preApprovalId is generated and stored in the UPO record.
   • You receive a DMN containing status=UPDATE.
     See Example DMN with status=UPDATE.
3. transactionStatus=APPROVED:
   The request is processed and returns a transaction notification with the final status within 2–5 days.
   • If the transfer is successful, then the following is returned:
     • A response with status=APPROVED.
     • A DMN containing status=APPROVED.
       See Example DMN with status=APPROVED.
   • If the transfer is not successful, then the following is returned:
     • A response with status=DECLINED.
     • A DMN containing status=DECLINED.

Payment (with UPO)

Follow the relevant steps for each environment:

Press tab to open…

{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "clientRequestId": "<unique request ID in merchant system>",
  "clientUniqueId": "<unique transaction ID in merchant system>",
  "currency": "USD",
  "amount": "100",
  "paymentOption": { 
    "userPaymentOptionId": "8100521"
  },
  "deviceDetails": {
    "ipAddress": "<customer's IP address>"
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "country": "US"
  },
  "urlDetails": {
    "notificationUrl": "<URL to which DMNs are sent>"
  },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

sfc.createPayment({
  sessionToken: "<sessiontoken>",
  paymentOption: {
    userPaymentOptionId: "8100521"
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  billingAddress: {
    firstName: "John",
    lastName: "Smith",
    country: "US"
  },
  urlDetails: {
    notificationUrl: "<URL to which DMNs are sent>"
  },
}, function(res) {
  console.log(res);
});

Handling the Response

You receive a DMN as the transactionStatus progresses from PENDING to UPDATE to APPROVED:
(The next steps are identical to the steps in Payment (without UPO) above.)

1. transactionStatus=PENDING
2. transactionStatus=UPDATE
3. transactionStatus=APPROVED

Payout

A payout is performed using the REST API /payout request.

Prerequisites

A /payout request is performed using a UPO (representing the customer bank account).

UPOs can be generated in the following ways:

• A UPO is automatically created upon successful completion of a /payment request, as described in the payment topics.
• Alternatively, you can generate a UPO as described in the Generating UPOs topic.

Sending a /payout Request

Call the /payout request with its mandatory parameters including:

• userTokenId – Unique customer identifier in merchant system.
• userPaymentOption class containing: userPaymentOptionId
• deviceDetails class containing: ipAddress
• urlDetails.notificationUrl
• The following parameters may be required if they are not already stored in the UPO:
  userDetails class containing: firstName, lastName, email
  If they are not present, please use the /updateUser method to add them.

Example /payout Request

{
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "clientRequestId": "<unique request ID in merchant system>",
  "currency": "USD",
  "amount": "100",
  "userPaymentOption": {
    "userPaymentOptionId": "<UPO received from previous deposit>"
  },  
  "deviceDetails": {
    "ipAddress": "<customer's IP address>"
  },
  "urlDetails": {
    "notificationUrl": "<URL to which DMNs are sent>"
  },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

The request is processed and returns a transaction notification with the final status.

• If the transaction is successful, then the following is returned:
  • A response with status=APPROVED.
  • A DMN containing status=APPROVED.
• If the transaction is not successful, then the following is returned:
  • A response with status=DECLINED.
  • A DMN containing status=DECLINED.

Example /payout Response

{
  "reason": "",
  "transactionStatus": "APPROVED",
  "clientRequestId": "W1Q3SBGE4",
  "internalRequestId": 17817071,
  "version": "1.0",
  "transactionId": "2110000000004333013",
  "merchantSiteId": "126006",
  "merchantId": "2502136204546424962",
  "additionalTransactionBankId": "1802509592"
  "clientUniqueId": "695701003",
  "errCode": 0,
  "userPaymentOptionId": "8054521",
  "paymentMethodErrorCode": 0,
  "userTokenId": "CEBQK9OVSLJA",
  "externalTransactionId": "2110000000068709",
  "status": "SUCCESS"
}

Refund

See the Refund topic.

Voids

See the  topic.

Secure Bank Transfer

You can use the Secure Bank Transfer APM integration to perform payments (deposits), payouts (withdrawals), and refunds.

Contact Nuvei Support for implementation support.

Payments

The payment flow begins on your payment page when a customer selects the Secure Bank Transfer payment method.

• For a new customer, follow the steps in the Payment (without UPO) flow.
• For a “returning customer”, offer them the option to select one of their previously captured payment methods. Follow the steps in the Payment (with UPO) flow.

Payouts

• Payout (same flow as for Bank Transfer (ACH))

Refunds

• See the Refund topic.

Prerequisites and Notes

1. A userPaymentOptionId represents the customer’s bank account in the Nuvei system. It can be used in future payment transactions to represent the customer’s bank account details.
2. A preApprovalId is stored in the UPO record. This is used by the system to automatically approve certain payment transactions when this payment method is used in the future.
   A preApprovalId indicates that:
   • The specified customer payment method is authenticated, and there is no need to perform the authentication process again.
   • If this is an initial recurring payment, then the customer allows you to create subsequent recurring payments on their behalf, without their presence, according to some rebilling agreement.
3. You have the option to enable the Privacy Policy acceptance (optional) feature, by contacting Nuvei to configure this feature in your merchant account.
   This feature forces customers who are using the Secure Bank Transfer APM for the first time to agree to the “Privacy Notice”, before allowing them to continue to the next step. If you choose to use this feature, then:
   • You should display a link for the customer to view the Nuvei Privacy Notice (https://nuvei.com/privacy-notice/).
   • Provide a checkbox for the customer to accept the “Privacy Notice”, before being allowed to continue to the next step.
     For example, “I agree to the Privacy Policy”.
4. You have the option to enable the “Automatic Transaction Approval” (optional) feature, however, you are responsible for all losses from “returned transactions” and other risks.
   To enable this, contact Nuvei to configure this feature in your merchant account.

Payment (without UPO)

Follow the relevant steps for each environment:

Press tab to open…

Handling the Response

The transaction begins to be processed and the system returns the following responses:

The transaction status progresses from PENDING to UPDATE, and then to APPROVED or DECLINED.
You receive the following responses and DMNs:

1. transactionStatus=PENDING:
   The request returns:
   • A response that includes "transactionStatus": PENDING and a "userPaymentOptionId".
     

     Example of Some Parameters Returned

     {
       ...
       ...
       "transactionId":"36682151",
       "paymentOption": {
         "userPaymentOptionId": "8100521",
         "card": {}
       },
       "transactionStatus": "PENDING",
       ...
       ...
     }

   • A DMN containing status=PENDING.
     See Example DMN with status=PENDING.
2. transactionStatus=UPDATE:
   • After a short time period, a preApprovalId is generated and stored in the UPO record.
   • You receive a DMN containing status=UPDATE.
     See Example DMN with status=UPDATE.
3. The request is processed and returns a transaction notification with the final status within 2–5 days.
   • transactionStatus=APPROVED:
     If the transfer is successful, then the following is returned:
     • A response with status=APPROVED.
     • A DMN containing status=APPROVED.
       See Example DMN with status=APPROVED.
   • status=DECLINED:
     If the transfer is not successful, then the following is returned:
     • A response with status=DECLINED.
     • A DMN containing status=DECLINED.

Payment (with UPO)

Follow the relevant steps for each environment:

Press tab to open…

{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "clientRequestId": "<unique request ID in merchant system>",
  "clientUniqueId": "<unique transaction ID in merchant system>",
  "currency": "USD",
  "amount": "100",
  "paymentOption": {
    "userPaymentOptionId": "8100521",
    "alternativePaymentMethod": {
      "paymentMethod": "apmgw_Secure_Bank_Transfer"
    }
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "phone": "6175551414",
    "address": "22 Main Street",
    "city": "Boston",
    "zip": "02460",
    "state": "MA",
    "country": "US"
  },
  "userDetails": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "phone": "6175551414",
    "address": "22 Main Street",
    "city": "Boston",
    "zip": "02460",
    "state": "MA",
    "country": "US",
    "identification": "123456789"
  },
  "urlDetails": {
    "notificationUrl": "<URL to which DMNs are sent>"
  },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

sfc.createPayment({
  sessionToken: "<sessiontoken>",  
  paymentOption: {
    userPaymentOptionId: "8100521",
    alternativePaymentMethod: {
      paymentMethod: "apmgw_Secure_Bank_Transfer"      
    }
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  billingAddress: {
    firstName: "John",
    lastName: "Smith",
    email: "[email protected]",
    phone: "6175551414",
    address: "22 Main Street",
    city: "Boston",
    zip: "02460",
    state: "MA",
    country: "US"
  },
  userDetails: {
    firstName: "John",
    lastName: "Smith",
    email: "[email protected]",
    phone: "6175551414",
    address: "22 Main Street",
    city: "Boston",
    zip: "02460",
    state: "MA",
    country: "US",
    identification: "123456789"
  },
  urlDetails: {
    notificationUrl: "<URL to which DMNs are sent>"
  },
}, function(res) {
  console.log(res);
});

The request is processed:

• Secure Bank Transfer processes the transaction and returns transaction notifications and status.
  See the Handling the Response topic (same as for “Payment (without UPO)” (above).
• Alternatively:
  Optional – Only applicable to the “Automatic Transaction Approval” feature:
  If you enabled the optional “Automatic Transaction Approval” feature and the UPO (the payment method selected by the customer) has a preApprovalId (generated after a previous successful payment transaction), then Nuvei does not send the transaction to Secure Bank Transfer for processing.
  Instead, the Nuvei APM Gateway immediately responds with status=APPROVED or status=DECLINED, according to rules set by Secure Bank Transfer.

  • If the transfer is successful, then the following is returned:
    • A response with status=APPROVED.
    • A userPaymentOptionId with a preApprovalId stored in the UPO record.
    • A DMN that includes the result of the transaction (status=APPROVED), sent to the urlDetails.notificationUrl parameter that you provided in the request.
  • If the transfer is not successful, then the following is returned:
    • A response with status=DECLINED.
    • A DMN that includes the result of the transaction (status=DECLINED).

Payout

A payout is performed using the REST API /payout request.

See the Payout topic above – same flow as for Bank Transfer (ACH).

Refund

See the Refund topic.

Testing

Declined Deposit and Declined Pre-approval

NSF – Amount 1.27
Declined – Amount 1.30
Account No: 3666394279
Routing No: 123456780

Successful Deposit and Successful Pre-approval

Success – Amount: 1.25
Account No: 111111111
Routing No: 123456780

Testing Trigger Amounts

Appendices

DMN Error Codes

When the APM declines or returns a transaction, the DMN includes one of the following error codes:

Generating UPOs

Introduction

A userPaymentOptionId represents a customer bank account in the Nuvei system. It is normally generated automatically upon successful completion of a /payment request.

However, you can also generate a UPO without first sending a /payment request first, as described below.

Prerequisites

The userTokenId is a mandatory parameter when sending a /addUPOAPM request.

If the customer’s userTokenId is not yet registered in the Nuvei system, then you can register it by sending a /createUser request with its mandatory parameters, including email, countryCode, firstName, and lastName.

Example /createUser Request

{
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "clientRequestId": "<unique request ID in merchant system>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "firstName":"John",
  "lastName":"Smith",
  "email":"[email protected]",
  "countryCode":"2-letter ISO country code>",
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

Generating a UPO

Send an /addUPOAPM request with its mandatory parameters including:

• userTokenId – The unique customer identifier in your system.
• apmData class containing:
  • AccountNumber – The customer’s bank account number.
  • RoutingNumber – The customer’s financial institution ABA number (9 digits including leading zeros).

Example /addUPOAPM Request

{
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "userTokenId":"<unique customer identifier in merchant system>",
  "paymentMethodName":"apmgw_ACH",
  "apmData":{
    "AccountNumber":"111111111", 
    "RoutingNumber":"999999992" 
  },
  "billingAddress":{
    "firstName":"John",
    "lastName":"Smith",
    "email":"[email protected]",
    "phone":"6175551414",
    "address":"22 Main Street",
    "city":"Boston",
    "zip":"02460",
    "state":"MA",
    "country":"US"
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

{
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "userTokenId":"<unique customer identifier in merchant system>",
  "paymentMethodName":"apmgw_Secure_Bank_Transfer",
  "apmData":{
    "AccountNumber":"111111111", 
    "RoutingNumber":"999999992" 
  },
  "billingAddress":{
    "firstName":"John",
    "lastName":"Smith",
    "email":"[email protected]",
    "phone":"6175551414",
    "address":"22 Main Street",
    "city":"Boston",
    "zip":"02460",
    "state":"MA",
    "country":"US"
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

Example /addUPOAPM Response

{
  "reason":"",
  "merchantId":"2502136204546424962",
  "errCode":0,
  "clientRequestId":"HWMTWQ2RT",
  "userPaymentOptionId":8052151,
  "internalRequestId":17817221,
  "version":"1.0",
  "status":"SUCCESS",
  "merchantSiteId":"126006"
}

Example Payment DMNs

Example DMN with status=PENDING

...'ppp_status=PENDING&Status=PENDING&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=37833471&userid=UID&merchant_unique_id=MUID012311122&customData=QA+test+merchant&productId=PID&first_name=Alberta&last_name=Bobbeth+Charleson&email=test%40mymail.com&currency=USD&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Sancho+el+fuerte&address2=15&country=United+States&state=NEW+YORK&city=Madrid&zip=07208&phone1=4804638290&phone2=&phone3=&client_ip=174.26.150.77&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Nuvei-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=0000&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=3111&merchant_status=&action=&requestVersion=&message=PENDING&merchantLocale=en_GB&unknownParameters=&payment_method=apmgw_Secure_Bank_Transfer&ID=&merchant_id=4972436454212160565&responseTimeStamp=2022-07-12.11%3A22%3A01&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=Test1111111111111222222&user_token=auto&userPaymentOptionId=8288891&TransactionID=2110000000006605022&externalTransactionId=9715155&APMReferenceID=9195BF012FC0B7FFCD0B4DB98799ABAB&orderTransactionId=18916101&totalAmount=1.25&dynamicDescriptor=QA+Test+site&item_name_1=ItemName&item_number_1=&item_amount_1=1.25&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&upoRegistrationDate=20220711&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22StatusInfo%22%3A%22%7B+StatusCode%3A+%2C+info%3A+%7D%22%2C%22BankName%22%3A%22Chase%3A+Plaid+Checking%22%2C%22AccountNumber%22%3A%220000%22%2C%22AccountHolder%22%3A%22Alberta+Bobbeth+Charleson%22%2C%22TransactionAmountLimit%22%3A%2250000%22%2C%22DailyAmountLimit%22%3A%2250000%22%2C%22MonthlyAmountLimit%22%3A%22100000%22%2C%22BankKYC%22%3A%5B%7B%22names%22%3A%5B%22Alberta+Bobbeth+Charleson%22%5D%2C%22addresses%22%3A%5B%7B%22data%22%3A%7B%22city%22%3A%22Malakoff%22%2C%22country%22%3A%22US%22%2C%22postal_code%22%3A%2202460%22%2C%22region%22%3A%22MA%22%2C%22street%22%3A%2222+Main+Street%22%7D%2C%22primary%22%3Atrue%7D%2C%7B%22data%22%3A%7B%22city%22%3A%22San+Matias%22%2C%22country%22%3A%22US%22%2C%22postal_code%22%3A%2293405-2255%22%2C%22region%22%3A%22CA%22%2C%22street%22%3A%222493+Leisure+Lane%22%7D%2C%22primary%22%3Afalse%7D%5D%2C%22emails%22%3A%5B%7B%22data%22%3A%22accountholder0%40example.com%22%2C%22primary%22%3Atrue%7D%2C%7B%22data%22%3A%22accountholder1%40example.com%22%2C%22primary%22%3Afalse%7D%2C%7B%22data%22%3A%22extraordinarily.long.email.username.123456%40reallylonghostname.com%22%2C%22primary%22%3Afalse%7D%5D%2C%22phone_numbers%22%3A%5B%7B%22data%22%3A%226175551414%22%2C%22primary%22%3Afalse%7D%2C%7B%22data%22%3A%221112224444%22%2C%22primary%22%3Afalse%7D%2C%7B%22data%22%3A%221112225555%22%2C%22primary%22%3Afalse%7D%5D%7D%5D%2C%22Note%22%3A%22PrevPay%3A+nil+%2B0%7CScore%3A+100%2F100%22%7D&sessionId=21f7e875c612def9af98328ceb5f&responsechecksum=0296f25eb86c71bdf4dd7fe3e4060e1b&advanceResponseChecksum=5f47045e522221edfb1b084cf2caa5a3,

Example DMN with status=UPDATE

...'ppp_status=OK&Status=UPDATE&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=37833471&userid=UID&merchant_unique_id=MUID012311122&customData=QA+test+merchant&productId=PID&first_name=Alberta&last_name=Bobbeth+Charleson&email=test%40mymail.com&currency=USD&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Sancho+el+fuerte&address2=15&country=United+States&state=NEW+YORK&city=Madrid&zip=07208&phone1=4804638290&phone2=&phone3=&client_ip=174.26.150.77&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Nuvei-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=0000&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=3111&merchant_status=&action=&requestVersion=&message=UPDATE&merchantLocale=en_GB&unknownParameters=&payment_method=apmgw_Secure_Bank_Transfer&ID=&merchant_id=4972436454212160565&responseTimeStamp=2022-07-12.12%3A58%3A19&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=Test1111111111111222222&user_token=auto&userPaymentOptionId=8288891&TransactionID=2110000000006605022&externalTransactionId=9715155&APMReferenceID=9195BF012FC0B7FFCD0B4DB98799ABAB&orderTransactionId=18916101&totalAmount=1.25&dynamicDescriptor=QA+Test+site&item_name_1=ItemName&item_number_1=&item_amount_1=1.25&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&upoRegistrationDate=20220711&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22StatusInfo%22%3A%22%7B+StatusCode%3A+%2C+info%3A+%7D%22%2C%22BankName%22%3A%22Chase%3A+Plaid+Checking%22%2C%22AccountNumber%22%3A%220000%22%2C%22AccountHolder%22%3A%22Alberta+Bobbeth+Charleson%22%2C%22AvailableBalance%22%3A%2210000%22%2C%22CurrentBalance%22%3A%2211000%22%2C%22TransactionAmountLimit%22%3A%2250000%22%2C%22DailyAmountLimit%22%3A%2250000%22%2C%22MonthlyAmountLimit%22%3A%22100000%22%2C%22BankKYC%22%3A%5B%7B%22names%22%3A%5B%22Alberta+Bobbeth+Charleson%22%5D%2C%22addresses%22%3A%5B%7B%22data%22%3A%7B%22city%22%3A%22Malakoff%22%2C%22country%22%3A%22US%22%2C%22postal_code%22%3A%2202460%22%2C%22region%22%3A%22MA%22%2C%22street%22%3A%2222+Main+Street%22%7D%2C%22primary%22%3Atrue%7D%2C%7B%22data%22%3A%7B%22city%22%3A%22San+Matias%22%2C%22country%22%3A%22US%22%2C%22postal_code%22%3A%2293405-2255%22%2C%22region%22%3A%22CA%22%2C%22street%22%3A%222493+Leisure+Lane%22%7D%2C%22primary%22%3Afalse%7D%5D%2C%22emails%22%3A%5B%7B%22data%22%3A%22accountholder0%40example.com%22%2C%22primary%22%3Atrue%2C%22type%22%3A%22primary%22%7D%2C%7B%22data%22%3A%22accountholder1%40example.com%22%2C%22primary%22%3Afalse%2C%22type%22%3A%22secondary%22%7D%2C%7B%22data%22%3A%22extraordinarily.long.email.username.123456%40reallylonghostname.com%22%2C%22primary%22%3Afalse%2C%22type%22%3A%22other%22%7D%5D%2C%22phone_numbers%22%3A%5B%7B%22data%22%3A%226175551414%22%2C%22primary%22%3Afalse%2C%22type%22%3A%22home%22%7D%2C%7B%22data%22%3A%221112224444%22%2C%22primary%22%3Afalse%2C%22type%22%3A%22work%22%7D%2C%7B%22data%22%3A%221112225555%22%2C%22primary%22%3Afalse%2C%22type%22%3A%22mobile%22%7D%5D%7D%5D%2C%22Note%22%3A%22PrevPay%3A+nil+%2B0%7CScore%3A+100%2F100%22%7D&representmentInformation=Account+Linked&sessionId=21f7e875c612def9af98328ceb5f&responsechecksum=40ce1091b7db73b2b9203452f86d4b19&advanceResponseChecksum=a6252e4a90a788b4641db423ad54409a',

Example DMN with status=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=37833471&userid=UID&merchant_unique_id=MUID012311122&customData=QA+test+merchant&productId=PID&first_name=Alberta&last_name=Bobbeth+Charleson&email=test%40mymail.com&currency=USD&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Sancho+el+fuerte&address2=15&country=United+States&state=NEW+YORK&city=Madrid&zip=07208&phone1=4804638290&phone2=&phone3=&client_ip=174.26.150.77&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Nuvei-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=0000&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=3111&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=en_GB&unknownParameters=&payment_method=apmgw_Secure_Bank_Transfer&ID=&merchant_id=4972436454212160565&responseTimeStamp=2022-07-12.11%3A31%3A46&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=Test1111111111111222222&user_token=auto&userPaymentOptionId=8288891&TransactionID=2110000000006605022&externalTransactionId=9715155&APMReferenceID=9195BF012FC0B7FFCD0B4DB98799ABAB&orderTransactionId=18916101&totalAmount=1.25&dynamicDescriptor=QA+Test+site&item_name_1=ItemName&item_number_1=&item_amount_1=1.25&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&upoRegistrationDate=20220711&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22StatusInfo%22%3A%22%7B+StatusCode%3A+%2C+info%3A+%2C+originalAmount%3A+1.2500%2C+ProcessedAmount%3A+1.25%7D%22%2C%22BankName%22%3A%22Chase%3A+Plaid+Checking%22%2C%22AccountNumber%22%3A%220000%22%2C%22AccountHolder%22%3A%22Alberta+Bobbeth+Charleson%22%2C%22AvailableBalance%22%3A%2210000%22%2C%22CurrentBalance%22%3A%2211000%22%2C%22TransactionAmountLimit%22%3A%2250000%22%2C%22DailyAmountLimit%22%3A%2250000%22%2C%22MonthlyAmountLimit%22%3A%22100000%22%2C%22BankKYC%22%3A%5B%7B%22names%22%3A%5B%22Alberta+Bobbeth+Charleson%22%5D%2C%22addresses%22%3A%5B%7B%22data%22%3A%7B%22city%22%3A%22Malakoff%22%2C%22country%22%3A%22US%22%2C%22postal_code%22%3A%2202460%22%2C%22region%22%3A%22MA%22%2C%22street%22%3A%2222+Main+Street%22%7D%2C%22primary%22%3Atrue%7D%2C%7B%22data%22%3A%7B%22city%22%3A%22San+Matias%22%2C%22country%22%3A%22US%22%2C%22postal_code%22%3A%2293405-2255%22%2C%22region%22%3A%22CA%22%2C%22street%22%3A%222493+Leisure+Lane%22%7D%2C%22primary%22%3Afalse%7D%5D%2C%22emails%22%3A%5B%7B%22data%22%3A%22accountholder0%40example.com%22%2C%22primary%22%3Atrue%7D%2C%7B%22data%22%3A%22accountholder1%40example.com%22%2C%22primary%22%3Afalse%7D%2C%7B%22data%22%3A%22extraordinarily.long.email.username.123456%40reallylonghostname.com%22%2C%22primary%22%3Afalse%7D%5D%2C%22phone_numbers%22%3A%5B%7B%22data%22%3A%226175551414%22%2C%22primary%22%3Afalse%7D%2C%7B%22data%22%3A%221112224444%22%2C%22primary%22%3Afalse%7D%2C%7B%22data%22%3A%221112225555%22%2C%22primary%22%3Afalse%7D%5D%7D%5D%2C%22Note%22%3A%22PrevPay%3A+nil+%2B0%7CScore%3A+100%2F100%22%7D&sessionId=21f7e875c612def9af98328ceb5f&responsechecksum=40ce1091b7db73b2b9203452f86d4b19&advanceResponseChecksum=789fc87b58bce800ac0890acaf491563',