# Creating a Payment Method- ACH

When you create a Payment Method using this API it will return with a status of `PENDING`. The Payment Method must be approved before it can be used. Once approved, the Payment Method will transition from `PENDING` to `ACTIVE`

## Using The LOCAL\_TRANSFER Payment Method as a Transfer source

When using the Payment Method as the source of a Transfer you will need to use the SRN with the suffix `:ach`. This will tell our system to route the transaction to the ACH network.

For example, to use the above payment method you would make a request that looks like: POST /v3/transfers

```go
{
  "source": "paymentmethod:PA-W7YN28ABCHT:ach",
  "dest": "account:AC-XX38VYXUA84",
  "sourceCurrency":"USD",
  "destCurrency":"USD",
  "sourceAmount": "100"
}
```

## Create ACH Payment Method

<mark style="color:green;">`POST`</mark> `https://api.sendwyre.com/v2/paymentMethods`&#x20;

#### Request Body

| Name              | Type   | Description                                                    |
| ----------------- | ------ | -------------------------------------------------------------- |
| publicToken       | string | Public token                                                   |
| paymentMethodType | string | `LOCAL_TRANSFER` is the required value for `paymentMethodType` |
| country           | string | `US` is the only supported country for this paymentMethodType  |

{% tabs %}
{% tab title="200 " %}

```
{
    "id": "PA-W7YN28ABCHT",
    "owner": "account:AC-XX38VYXUA84",
    "createdAt": 1542771684392,
    "name": "Plaid Checking 0000",
    "defaultCurrency": "USD",
    "status": "PENDING",
    "statusMessage": null,
    "waitingPrompts": [],
    "linkType": "LOCAL_TRANSFER",
    "beneficiaryType": "UNKNOWN",
    "supportsDeposit": true,
    "nameOnMethod": null,
    "last4Digits": "0000",
    "brand": null,
    "expirationDisplay": null,
    "countryCode": "US",
    "nickname": null,
    "rejectionMessage": null,
    "disabled": false,
    "supportsPayment": true,
    "chargeableCurrencies": [ "USD" ],
    "depositableCurrencies": [ "USD" ],
    "chargeFeeSchedule": null,
    "depositFeeSchedule": null,
    "minCharge": null,
    "maxCharge": null,
    "minDeposit": null,
    "maxDeposit": null,
    "documents": [],
    "srn": "paymentmethod:PA-W7YN28ABCHT"
}
```

{% endtab %}
{% endtabs %}

## Examples

{% tabs %}
{% tab title="JSON" %}

```
{
  "publicToken": "public-sandbox-c78b1564-44c9-426a-9ea3-3fdadcba2e10|AGdQ3KZwl9tdaedkMZAduw8vJD5GvyU1N48Zj",
  "paymentMethodType": "LOCAL_TRANSFER",
  "country": "US"
}
```

{% endtab %}

{% tab title="Python" %}

```
'''
This is a Python 3.7 Module that creates a payment method in
the test env
'''
import requests
import time
import os
import urllib.parse
import hashlib
import hmac
import json


class WyreApi:
    API_KEY = os.getenv("WYRE_APIKEY")
    SEC_KEY = os.getenv("WYRE_TOKEN")
    API_URL = "https://api.testwyre.com"
    API_VER2 = "/v2"
    API_CREATE_PAYMENT = "/paymentMethods"

    def calc_auth_sig_hash(self, url_body):
        '''
          calculates a signature per Wyre API:
          https://docs.sendwyre.com/docs/authentication#secret-key-signature-auth
        '''  
        message, secret = bytes(
            url_body, 'utf-8'), bytes(WyreApi.SEC_KEY, 'utf-8')
        newhash = hmac.new(secret, message, hashlib.sha256)
        return newhash.hexdigest()

    def calcTimeStamp(self):
        '''
          creates a timestamp to the millisecond
        '''
        return str(round(time.time() * 1000))

      
      
    def createPaymentACH(self, post_data):
        '''
            Create a user payment ACH 
            POST https://api.sendwyre.com/v2/paymentMethods
            params: publicToken, PaymentMethodType, Country=US
        '''
        if not post_data:
            print("Need to send payment object with public Token")
            return

        params = {
            "timestamp": self.calcTimeStamp()
        }
        url = WyreApi.API_URL + WyreApi.API_VER2 + WyreApi.API_CREATE_PAYMENT + "?" + \
            urllib.parse.urlencode(params, encoding="utf-8")

        headers = {
            "X-API-Key": WyreApi.API_KEY,
            "X-API-Signature": self.calc_auth_sig_hash(url + json.dumps(post_data))
        }

        response = requests.post(url, headers=headers, json=post_data)
        if response.status_code == 200:
            return json.loads(response.text)
        else:
            print(response.text)


if __name__ == "__main__":

    # initialize a Wyre Object
    wyre = WyreApi()

    paymentOjb = {
        # SRN https://docs.sendwyre.com/docs/srns
        "account": "account:AC_XXXXXXXXX",
        "publicToken": "ENTER YOUR PUBLIC TOKEN ACQUIRE FROM https://docs.sendwyre.com/docs/create-ach-payment-method",
        "paymentMethodType": "LOCAL_TRANSFER",
        "country": "US"
    }

    payment = wyre.createPaymentACH(paymentOjb)
    if payment:
        print(payment)
```

{% endtab %}
{% endtabs %}

####


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://wyre-1.gitbook.io/wyre-docs/bank-transfers/api-calls/creating-a-payment-method-ach.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.