--- title: EFT checkout example slug: eft-checkout-example docTags: createdAt: 2026-02-21T00:51:28.151Z --- 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 ```mermaid 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 :::CodeblockTabs ```curl # -------------------------------------------- # Configuration # -------------------------------------------- BASE_URL="https://extapi.demo.jetpay.baselinepayments.com" API_TOKEN="" # -------------------------------------------- # 1. Create Contact # -------------------------------------------- curl -X PUT "$BASE_URL/contact" \ -H "Authorization: Bearer $API_TOKEN" \ -H "Content-Type: application/json" \ -d '{ "email": "jane@example.com", "name": "Jane Doe", "tags": [], "language": "en" }' # → Save the returned contact_id (e.g., contact_123) # -------------------------------------------- # 2. Create Debit # -------------------------------------------- curl -X PUT "$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 $API_TOKEN" \ -H "Content-Type: application/json" \ -d '{ "institution": "Test Bank", "title": "Personal Account", "holder_name": "Jane Doe", "contact_id": "contact_123", "account_type": "checking", "transit_number": "12345", "institution_number": "001", "account_number": "1234567", "holder_address": "123 Main St", "holder_address_postal_code": "A1A1A1", "holder_address_city": "Toronto", "holder_address_country": "CA", "holder_email": "jane@example.com" }' # → Save the returned bank_account_id (e.g., bank_account_789) # -------------------------------------------- # 4. Pay Debit # -------------------------------------------- curl -X PUT "$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. ``` ```python import requests import time BASE_URL = "https://extapi.demo.jetpay.baselinepayments.com" API_TOKEN = "" headers = { "Authorization": f"Bearer {API_TOKEN}", "Content-Type": "application/json" } # -------------------------------------------- # 1. Create Contact # -------------------------------------------- contact_response = requests.put( f"{BASE_URL}/contact", headers=headers, json={ "email": "jane@example.com", "name": "Jane Doe", "tags": [], "language": "en" } ) contact_id = contact_response.json()["contact_id"] # -------------------------------------------- # 2. Create Debit # -------------------------------------------- debit_response = requests.put( f"{BASE_URL}/debit", headers=headers, json={ "amount": 10000, "statement": "Test Statement", "note": "Test Note", "to_bank_account": "platform_bank_abc", "contact_id": contact_id, "preauthorize": False } ) debit_id = debit_response.json()["debit_transaction_id"] # -------------------------------------------- # 3. Add Bank Account # -------------------------------------------- # IMPORTANT: # You must build and present a secure form in your application # to collect the customer’s bank account details. bank_response = requests.put( f"{BASE_URL}/contact/bank-account", headers=headers, json={ "institution": "Test Bank", "title": "Personal Account", "holder_name": "Jane Doe", "contact_id": contact_id, "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": "jane@example.com" } ) bank_account_id = bank_response.json()["bank_account_id"] # -------------------------------------------- # 4. Pay Debit # -------------------------------------------- pay_response = requests.put( f"{BASE_URL}/pay-debit", headers=headers, json={ "pad_signed": True, "signature_pad_time": int(time.time()), "from_bank_account": bank_account_id, "debit_transaction_id": debit_id } ) print(pay_response.json()) ``` ```nodejs const BASE_URL = "https://extapi.demo.jetpay.baselinepayments.com"; const API_TOKEN = ""; const headers = { "Authorization": `Bearer ${API_TOKEN}`, "Content-Type": "application/json" }; async function runEFTFlow() { // -------------------------------------------- // 1. Create Contact // -------------------------------------------- const contactRes = await fetch(`${BASE_URL}/contact`, { method: "PUT", headers, body: JSON.stringify({ email: "jane@example.com", name: "Jane Doe", tags: [], language: "en" }) }); const contactData = await contactRes.json(); const contactId = contactData.contact_id; // -------------------------------------------- // 2. Create Debit // -------------------------------------------- const debitRes = await fetch(`${BASE_URL}/debit`, { method: "PUT", headers, body: JSON.stringify({ amount: 10000, statement: "Test Statement", note: "Test Note", to_bank_account: "platform_bank_abc", contact_id: contactId, preauthorize: false }) }); const debitData = await debitRes.json(); const debitId = debitData.debit_transaction_id; // -------------------------------------------- // 3. Add Bank Account // -------------------------------------------- // IMPORTANT: // You must build and present a secure form in your application // to collect the customer's bank account details. const bankRes = await fetch(`${BASE_URL}/contact/bank-account`, { method: "PUT", headers, body: JSON.stringify({ institution: "Test Bank", title: "Personal Account", holder_name: "Jane Doe", contact_id: contactId, 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: "jane@example.com" }) }); const bankData = await bankRes.json(); const bankAccountId = bankData.bank_account_id; // -------------------------------------------- // 4. Pay Debit // -------------------------------------------- const payRes = await fetch(`${BASE_URL}/pay-debit`, { method: "PUT", headers, body: JSON.stringify({ pad_signed: true, signature_pad_time: Math.floor(Date.now() / 1000), from_bank_account: bankAccountId, debit_transaction_id: debitId }) }); const payData = await payRes.json(); console.log(payData); } runEFTFlow(); ``` :::