An incoming_payment_detail represents a payment where your bank is the RDFI (receiving bank) and your account is the receiving account, as opposed to a payment you originate via a Payment Order. The incoming payment detail will be reconciled to a transaction when the payment arrives in your bank account. These are typically used for more advanced use cases, such as return initiation or inbound payment attribution using virtual accounts.
Attribute | Description |
|---|---|
id string | Unique identifier for the incoming payment detail |
type string | One of: |
amount int32 | Value in specified currency's smallest unit. e.g. $10 would be represented as |
currency string | The currency of the incoming payment detail. |
direction string | One of |
as_of_date date | The date on which the corresponding transaction will occur. |
internal_account_id string | The ID of the Internal Account for the incoming payment detail. This is always present. |
virtual_account_id string | If the incoming payment detail is in a virtual account, the ID of the Virtual Account. |
virtual_account object | If the incoming payment detail is in a virtual account, the serialized virtual account object. |
transaction_line_item_id string | The ID of the reconciled Transaction Line Item or |
transaction_id string | The ID of the reconciled Transaction or |
ledger_transaction_id string | The ID of the ledger transaction linked to the incoming payment detail or |
data object | The raw data from the payment pre-notification file that we get from the bank. This field may contain sensitive information and is not included in API responses by default. Learn more about changing your settings here. |
status string | The current status of the incoming payment detail. One of |
metadata object | Additional data represented as key-value pairs. Both the key and value must be strings. See Metadata. |
reconciliation_status string | The current reconciliation status. One of |
live_mode boolean | This field will be true if this object exists in the live environment or false if it exists in the test environment. |
originating_account_number_safe string | The last 4 digits of the originating account_number for the incoming payment detail. |
originating_account_number_type string | The type of the originating account number for the incoming payment detail. |
originating_routing_number string | The routing number of the originating account for the incoming payment detail. |
originating_routing_number_type string | The type of the originating routing number for the incoming payment detail. |
vendor_id string | An identifier given to this payment detail by the bank. |
created_at datetime | The time at which the incoming payment detail was created. |
updated_at datetime | The time at which the incoming payment detail was last updated. |
{
"id": "4844bda1-eb57-4129-afb4-fc663a395ca0",
"object": "incoming_payment_detail",
"internal_account_id": "487b9a5c-6737-43ea-b11c-593f39226b92",
"virtual_account_id": null,
"virtual_account": null,
"transaction_line_item_id": null,
"transaction_id": null,
"type": "ach",
"data": { // This field may contain PII and is not included in API responses by default
"batch_header_record": {
"batch_number": "999",
"company_name": "moderntreasury.com",
"settlement_date": 17,
"service_class_code": "200",
"effective_entry_date": "2019-01-30",
"company_identification": "9999999999",
"originator_status_code": "1",
"company_descriptive_date": "",
"company_entry_description": "moderntreasury.co",
"standard_entry_class_code": "CCD",
"company_discretionary_data": "",
"originating_dfi_identification": "99999999"
},
"detail_record": {
"amount": 10000,
"trace_number": "999999999999999",
"transaction_code": "27",
"dfi_account_number": "99999",
"discretionary_data": "",
"identification_number": "moderntreasury.com",
"receiving_company_name": "EXAMPLE INC",
"addenda_record_indicator": true
},
"payment_related_information": "Lorem Ipsum",
},
"amount": 10000,
"currency": "USD",
"direction": "debit",
"status": "pending",
"reconciliation_status": "unreconciled",
"metadata": {},
"as_of_date": "2020-10-17",
"live_mode": true,
"created_at": "2020-10-15T04:23:11Z",
"updated_at": "2020-10-15T04:23:11Z"
}Example objects
Here are some sample bodies for what an incoming payment detail would look like, depending on the type of payment.
{
"id": "4844bda1-eb57-4129-afb4-fc663a395ca0",
"object": "incoming_payment_detail",
"internal_account_id": "487b9a5c-6737-43ea-b11c-593f39226b92",
"virtual_account_id": null,
"virtual_account": null,
"transaction_line_item_id": null,
"transaction_id": null,
"type": "ach",
"data": { // This field may contain PII and is not included in API responses by default
"batch_header_record": {
"batch_number": "999",
"company_name": "moderntreasury.com",
"settlement_date": 17,
"service_class_code": "200",
"effective_entry_date": "2019-01-30",
"company_identification": "9999999999",
"originator_status_code": "1",
"company_descriptive_date": "",
"company_entry_description": "moderntreasury.co",
"standard_entry_class_code": "CCD",
"company_discretionary_data": "",
"originating_dfi_identification": "99999999"
},
"detail_record": {
"amount": 10000,
"trace_number": "999999999999999",
"transaction_code": "27",
"dfi_account_number": "99999",
"discretionary_data": "",
"identification_number": "moderntreasury.com",
"receiving_company_name": "EXAMPLE INC",
"addenda_record_indicator": true
},
"payment_related_information": "Lorem Ipsum",
},
"amount": 10000,
"currency": "USD",
"direction": "debit",
"status": "pending",
"reconciliation_status": "unreconciled",
"metadata": {},
"as_of_date": "2020-10-17",
"live_mode": true,
"created_at": "2020-10-15T04:23:11Z",
"updated_at": "2020-10-15T04:23:11Z"
}{
"id": "4844bda1-eb57-4129-afb4-fc663a395ca0",
"object": "incoming_payment_detail",
"internal_account_id": "487b9a5c-6737-43ea-b11c-593f39226b92",
"virtual_account_id": null,
"virtual_account": null,
"transaction_line_item_id": null,
"transaction_id": null,
"type": "ach",
"data": { // This field may contain PII and is not included in API responses by default
"batch_header_record": {
"service_class_code": "200",
"standard_entry_class_code": "IAT",
"company_entry_description": "EXAMPLE",
"effective_entry_date": "2020-10-22",
"settlement_date": 296,
"originator_status_code": "1",
"originating_dfi_identification": "098765431",
"batch_number": "487",
"iat_indicator": "",
"foreign_exchange_indicator": "FF",
"foreign_exchange_reference_indicator": "3",
"foreign_exchange_reference": "",
"iso_destination_country_code": "US",
"originator_identification": "1234567890",
"iso_originating_currency_code": "USD",
"iso_destination_currency_code": "USD"
},
"detail_record": {
"transaction_code": "22",
"amount": 10000,
"addenda_record_indicator": true,
"trace_number": "999999999999999",
"number_of_addenda_records": 10,
"dfi_account_number": "99999",
"gateway_operator_ofac_screening_indicator": "",
"secondary_ofac_screening_indicator": "0"
},
"addenda_record": {
"transaction_type_code": "MIS",
"foreign_payment_amount": 0,
"foreign_trace_number": "",
"receiving_name": "EXAMPLE INC",
"originator_name": "Jane Doe",
"originator_street_address": "123 Main St",
"originator_locality_and_region": "San Francisco*CA\\",
"originator_country_and_postal_code": "US*94109\\",
"originating_dfi_name": "Wells Fargo",
"originating_dfi_identification_number_qualifier": "01",
"originating_dfi_identification": "99999999",
"originating_dfi_branch_country_code": "US",
"receiving_dfi_name": "SILICON VALLEY BANK",
"receiving_dfi_identification_number_qualifier": "01",
"receiving_dfi_identification": "99999999",
"receiving_dfi_branch_country_code": "US",
"receiver_identification_number": "99999999",
"receiver_street_address": "123 Main Street",
"receiver_locality_and_region": "San Francisco*CA\\",
"receiver_country_and_postal_code": "US*94107\\"
},
"payment_related_information": "Lorem Ipsum",
"foreign_corresponent_bank_records": [
{
"foreign_correspondent_bank_name": "AS LHV Pank",
"foreign_correspondent_bank_identification_number_qualifier": "02",
"foreign_correspondent_bank_identification_number": "LHVBXX00",
"foreign_correspondent_bank_branch_country_code": "EE"
}
]
},
"amount": 10000,
"currency": "USD",
"direction": "debit",
"status": "pending",
"reconciliation_status": "unreconciled",
"metadata": {},
"as_of_date": "2020-10-17",
"live_mode": true,
"created_at": "2020-10-15T04:23:11Z",
"updated_at": "2020-10-15T04:23:11Z"
}{
"id": "0f8e3719-3dfd-4613-9bbf-c0333781b59f",
"data": { // This field may contain PII and is not included in API responses by default
"imad": "20210121L1B77D1C001602",
"omad": "20210121GMQFMP0100602801210908",
"reference": "20210210840500",
"sender_aba": "121140399",
"wire_amount": 10000,
"currency_code": "USD",
"originator_id": "1234567",
"account_number": "987654321",
"beneficiary_id": "987654321",
"payment_method": "Fed",
"originator_name": "BERKSHIRE HATHAWAY.",
"beneficiary_name": "BERKSHIRE HATHAWAY.",
"transaction_date": "2021-01-21",
"reference_for_bank": "",
"beneficiary_id_code": "D",
"originator_address_1": "1 Main St",
"originator_address_2": "10TH FLOOR",
"originator_address_3": "SAN FRANCISCO, CA 94104",
"wire_sequence_number": "45137763",
"beneficiary_address_1": "2 Main St.",
"beneficiary_address_2": "UNIT 12",
"beneficiary_address_3": "US",
"business_function_code": "CTR",
"transaction_description": "I",
"bank_to_bank_information": "",
"originator_to_beneficiary_information": "16E1042F27E540E5 /ROC/16E1042F27E540E5/OBI GOES HERE"
},
"type": "wire",
"amount": 10000,
"object": "incoming_payment_detail",
"status": "pending",
"reconciliation_status": "unreconciled",
"currency": "USD",
"metadata": {},
"direction": "credit",
"live_mode": true,
"as_of_date": "2021-01-21",
"created_at": "2021-01-21T17:05:39Z",
"updated_at": "2021-01-21T17:05:39Z",
"transaction_id": "00dea47c-2011-480d-ab02-44cfea7b2890",
"virtual_account_id": null,
"virtual_account": null,
"internal_account_id": "07d61aca-e5ba-4008-b00d-cfca8d7c5290",
"transaction_line_item_id": "9dde4e56-30a9-452e-a196-e0858c4dced5"
}{
"id": "9f4e35df-87d7-469e-ba1b-4d67ce10ce11",
"data": { // This field may contain PII and is not included in API responses by default
"wire_reference": "010203040506",
"fed_reference": "0003",
"ogb": "MAIN BANK POST OFFICE BOX 101 ANYTOWN, CALIFORNIA 94567-1234",
"org": "ACME FURNITURE 12345 PARKSIDE AVE. ANYTOWN , CA, 94567",
"obi": "GROUP NO 21212 3",
"bnf": "33300000222210000 ABC"
},
"type": "wire",
"amount": 20000,
"object": "incoming_payment_detail",
"status": "completed",
"reconciliation_status": "reconciled",
"currency": "USD",
"metadata": {},
"direction": "credit",
"live_mode": true,
"as_of_date": "2021-06-27",
"created_at": "2021-06-27T15:59:40Z",
"updated_at": "2021-06-27T15:59:40Z",
"transaction_id": "02464daf-84ac-416d-b0c3-8c95d8ac7b8e",
"virtual_account_id": null,
"virtual_account": null,
"internal_account_id": "168f0508-c47c-4b61-9852-213112f14ddb",
"transaction_line_item_id": "f7572374-bbec-495f-84e7-f2278df74bef"
}{
"id": "ad5e5509-0777-49d3-ac6e-25d7b46cffe8",
"data": { // This field may contain PII and is not included in API responses by default
"lockbox_number": "24869",
"deposit_date": "10/25/2018",
"check_number": "3077786220",
"remitter_name": "MODERN TREASURY",
"memo_field": "TEST"
},
"object": "incoming_payment_detail",
"live_mode": true,
"internal_account_id": "0039eb61-b3d2-49af-9f39-dddf7077ad98",
"virtual_account_id": null,
"virtual_account": null,
"transaction_line_item_id": "b6652435-df85-4e79-9cb0-c01af5e37b93",
"transaction_id": "07612f5a-24d6-4b28-8a34-70d4377abcf4",
"ledger_transaction_id": null,
"type": "check",
"amount": 115124,
"currency": "USD",
"direction": "credit",
"status": "completed",
"metadata": {},
"as_of_date": "2018-10-25",
"vendor_id": null,
"created_at": "2023-10-04T17:38:10Z",
"updated_at": "2023-11-01T22:28:15Z"
}