{
  "request": {
    "method": "POST",
    "url": "https://api.wellsfargo.com/v2/ach/payments",
    "headers": {
      "Authorization": "Bearer {access_token}",
      "Content-Type": "application/json",
      "Accept": "application/json"
    },
    "body": {
      "debitAccountId": "acct-1001",
      "amount": 12500.00,
      "currency": "USD",
      "creditAccountNumber": "123456789012",
      "creditRoutingNumber": "021000021",
      "creditAccountType": "CHECKING",
      "transactionCode": "CCD",
      "receiverName": "Acme Corp Payables",
      "addendaInformation": "INV-2026-0298 payment",
      "sameDayAch": false,
      "effectiveDate": "2026-05-05"
    }
  },
  "response": {
    "status": 201,
    "headers": {
      "Content-Type": "application/json"
    },
    "body": {
      "paymentId": "ach-2026-0059876",
      "status": "PENDING",
      "debitAccountId": "acct-1001",
      "amount": 12500.00,
      "currency": "USD",
      "creditAccountNumber": "123456789012",
      "creditRoutingNumber": "021000021",
      "transactionCode": "CCD",
      "receiverName": "Acme Corp Payables",
      "effectiveDate": "2026-05-05",
      "createdAt": "2026-05-03T09:15:00Z",
      "traceNumber": null
    }
  }
}