Hi Draden,
The flow that you described above is valid. We don't currently support making ACH payments to unassociated accounts outside of these endpoints.
Create Recipient
- The
accountNumberfield refers to the account number that is used internally by the FI which I believe can be retrieved using theGetAccountListendpoint - The
clientAccountNumberfield doesn't appear to be utilized, we will make changes to our documentation to reflect this. In the meantime you may need to pass a random value while testing. Please keep a look out for upcoming releases in our changelog (https://docs.q2api.com/docs/q2-caliper-api/f1a95bb9397ba-changelog-for-caliper-api) - The
emailAddressfield is required and would need to be passed in even if thealwaysSendEmailfield is set to false
Other
- The logonName in the Make Payment endpoint pertains to the sender
- If a payment is created but not authorized it will be marked as pending processing which can be verified via the
TransactionStatusfield in the Get Payments endpoint - Regarding fees, you can make up to 2000 API requests for free and additional requests can be purchased (see https://docs.q2api.com/docs/q2-caliper-api/729542264ca31-q2-caliper-api)
Please reach out if you have additional questions.
Thanks,
Solène