Invalid payment purpose

Why do I get this, even though I put something I think is valid in the field?

Hi Jackson,

You must be using the us_ach_bank payment method. The Payment Purpose field for this payment method should be a string with 1 to 10 characters only. See the regex field below:

    "name": "payment_purpose",
    "type": "string",
    "regex": ".{1,10}",
    "description": "Purpose of the payment",
    "is_required": true,
    "is_updatable": false

You can try a shorter text.


Thanks, I got it. After enter in the numbers and details, I am brought to this page.

What does it mean by code and the steps I have to complete? I didn’t see anything mentioned in the previous page.

I can’t seem to replicate what you got, What payment method and country are you using?

Here’s a screenshot I got from Client Portal as well as a separate API i got from us_ach_bank transfer.

Additional Payment - Direct Debit API Request and Response

I used used the payload example from Bank Direct Debit - Create Payment Request

Direct Debit API Request

    "amount": 2100,
    "currency": "USD",
    "payment_method": {
        "type": "us_ach_bank",
        "fields": {
            "proof_of_authorization": true,
            "first_name": "Test",
            "last_name": "User",
            "company_name": "Acme",
            "routing_number": "123UA34599",
            "payment_purpose": "Loan payment",
            "account_number": "USA_2340234-098-0908g"

API Response

The "code": "paygw_3c9c14c00bd710eb486f4811e0912043" below should should be the code the end user downloads.

    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "f27d5c2f-4199-48d5-9160-5a6f3617b140"
    "data": {
        "id": "payment_669454c361d235b29853736040ecc0c4",
        "amount": 0,
        "original_amount": 2100,
        "is_partial": false,
        "currency_code": "USD",
        "country_code": "US",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_326f09b80d44dc8bfb07171a8b159245",
        "payment_method": "other_e9a4ff2991901a999b6a7452b5031dd9",
        "payment_method_data": {
            "id": "other_e9a4ff2991901a999b6a7452b5031dd9",
            "type": "us_ach_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "last_name": "User",
            "first_name": "Test",
            "company_name": "Acme",
            "account_number": "USA_2340234-098-0908g",
            "routing_number": "123UA34599",
            "payment_purpose": "Loan payment",
            "proof_of_authorization": true
        "expiration": 1634360640,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Test Business",
        "transaction_id": "",
        "created_at": 1633151040,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {
            "code": "paygw_3c9c14c00bd710eb486f4811e0912043"
        "instructions": {
            "name": "instructions",
            "steps": [
                    "step1": "Provide your routing and account number to process the transaction"
                    "step2": "Once completed, the transaction will take approximately 2-3 days to process"
        "ewallet_id": "ewallet_db4ad4a76278f94c4a83dd9b28b483ed",
        "ewallets": [
                "ewallet_id": "ewallet_db4ad4a76278f94c4a83dd9b28b483ed",
                "amount": 2100,
                "percent": 100,
                "refunded_amount": 0
        "payment_method_options": {},
        "payment_method_type": "us_ach_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation"
} ```
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I’m adding balance to my dmarket account. I click the rapyd deposit option and enter in my banking details. Then I was brought to the page I showed in the screenshot.