EFT checkout example

2 min

This example walks through a full end-to-end EFT payment flow. It demonstrates how to create a contact, create a debit, securely collect and attach a bank account, and then pay the debit.

Use this as a reference implementation to understand how the pieces fit together in a real checkout experience.

Flow diagram

sequenceDiagram
    participant Backend as Platform Backend
    participant Frontend as Platform Frontend
    actor Customer
    participant Jetpay as Jetpay API

    Backend->>Jetpay: Create contact
    Jetpay-->>Backend: contact_id

    Backend->>Jetpay: Create debit
    Jetpay-->>Backend: debit_transaction_id

    Frontend->>Customer: Collect bank account details
    Customer->>Frontend: Submit bank details

    Frontend->>Backend: Bank account data
    Backend->>Jetpay: Create bank account
    Jetpay-->>Backend: bank_account_id

    Backend->>Jetpay: Pay debit
    Jetpay-->>Backend: Debit status

Code sample

# --------------------------------------------
# Configuration
# --------------------------------------------

BASE_URL="https://extapi.demo.jetpay.baselinepayments.com"
API_TOKEN="<YOUR_API_TOKEN>"

# --------------------------------------------
# 1. Create Contact
# --------------------------------------------

curl -X PUT "$BASE_URL/contact" \
  -H "Authorization: Bearer $API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "[email protected]",
    "name": "Jane Doe",
    "tags": [],
    "language": "en"
  }'

# → Save the returned contact_id (e.g., contact_123)


# --------------------------------------------
# 2. Create Debit
# --------------------------------------------

curl -X PUT "$BASE_URL/debit" \
  -H "Authorization: Bearer $API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 10000,
    "statement": "Test Statement",
    "note": "Test Note",
    "to_bank_account": "platform_bank_abc",
    "contact_id": "contact_123",
    "preauthorize": false
  }'

# → Save the returned debit_transaction_id (e.g., debit_456)


# --------------------------------------------
# 3. Collect Bank Details and Add Bank Account
# --------------------------------------------

# IMPORTANT:
# You must create and present a secure form in your application
# to collect the customer's bank account details.
# Jetpay does not host an EFT collection form.

curl -X PUT "$BASE_URL/contact/bank-account" \
  -H "Authorization: Bearer $API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "institution": "Test Bank",
    "title": "Personal Account",
    "holder_name": "Jane Doe",
    "contact_id": "contact_123",
    "account_type": "checking",
    "transit_number": "12345",
    "institution_number": "001",
    "account_number": "1234567",
    "holder_address": "123 Main St",
    "holder_address_postal_code": "A1A1A1",
    "holder_address_city": "Toronto",
    "holder_address_country": "CA",
    "holder_email": "[email protected]"
  }'

# → Save the returned bank_account_id (e.g., bank_account_789)


# --------------------------------------------
# 4. Pay Debit
# --------------------------------------------

curl -X PUT "$BASE_URL/pay-debit" \
  -H "Authorization: Bearer $API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "pad_signed": true,
    "signature_pad_time": 1700000000,
    "from_bank_account": "bank_account_789",
    "debit_transaction_id": "debit_456"
  }'

# → The API returns the updated debit object.
# → Implement webhooks to track final status updates.