> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Create account payment > Create a new payment to apply toward a credit account's balance. POST/credit/accounts/\{account\_token}/payments Create a new payment to apply toward a credit account's balance. ## URL path parameters | Fields | Description | | - | - | | account\_token string Required | Unique identifier of the credit account for which to create a payment. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. **Allowable Values:** Existing account token | ## Request body | Fields | Description | | - | - | | token string Optional | Unique identifier of the payment. **Allowable Values:** 36 char max | | method string Required | Method of payment. **Allowable Values:** `ACH`, `CHECK`, `DEBIT`, `CASH` | | payment\_source\_token string Optional | Unique identifier of the payment source. Required for ACH payments. **Allowable Values:** 36 char max Existing payment source token | | amount decimal Required | Amount of the payment. **Allowable Values:** 0 min | | currency\_code string Required | Valid three-digit [ISO 4217 currency code](https://www.iso.org/iso-4217-currency-codes.html). **Allowable Values:** `USD` | | impact\_time datetime Optional | Date and time when the payment impacts the account balance and fee calculations. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | description string Required | Description of the payment. **Allowable Values:** 255 char max | | metadata string Optional | Customer-defined additional information about the payment (for example, a check number). **Allowable Values:** 255 char max | | hold\_days integer Optional | Overrides the configured default number of days for which to hold ACH and check payments. **Allowable Values:** 0–30 | ## Sample request body ```json JSON lines wrap theme={null} { "token": "payment_token_1239", "method": "ACH", "payment_source_token": "payment_source_token_1112", "amount": 2500, "currency_code": "USD", "description": "Account statement payment" } ``` ## Response body | Fields | Description | | - | - | | token string Returned | Unique identifier of the payment. If in the `detail_object`, unique identifier of the detail object. **Allowable Values:** 36 char max | | account\_token string Returned | Unique identifier of the credit account on which the payment is made. **Allowable Values:** 36 char max Existing account token | | method string Returned | Method of payment. **Allowable Values:** `ACH`, `CHECK`, `DEBIT`, `CASH` | | payment\_source\_token string Conditionally returned | Unique identifier of the payment source. Required for ACH payments. **Allowable Values:** Existing payment source token | | payment\_schedule\_token string Conditionally returned | Unique identifier of the payment schedule. **Allowable Values:** 36 char max | | amount decimal Returned | Total amount of the payment. **Allowable Values:** 0 min | | currency\_code string Returned | Valid three-digit [ISO 4217 currency code](https://www.iso.org/iso-4217-currency-codes.html). **Allowable Values:** `USD` | | status string Returned | Current status of the payment or refund. **Allowable Values:** `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `CANCELLED`, `COMPLETED`, `RETURNED`, `REFUNDED`, `SYS_ERROR`, `ACH_ERROR` | | description string Returned | Description of the payment. **Allowable Values:** 255 char max | | metadata string Conditionally returned | Customer-defined additional information about the payment (for example, a check number). **Allowable Values:** 255 char max | | hold\_days integer Returned | After a payment completes, the number of days to hold the available credit on the account before increasing it. **Allowable Values:** Any integer | | hold\_end\_time datetime Conditionally returned | Date and time when the available credit hold is released. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | is\_manually\_released boolean Conditionally returned | Whether the available credit hold was manually released for this payment. **Allowable Values:** `true`, `false` **Default value:** `false` | | on\_hold boolean Conditionally returned | Whether the available credit is on hold for this payment. **Allowable Values:** `true`, `false` **Default value:** `false` | | returned\_details object Conditionally returned | Contains information on a returned payment. **Allowable Values:** Existing `returned_details` object | | returned\_details.**return\_code** string Returned | Return code for the returned payment. For more, see [NACHA ACH return codes](https://www.marqeta.com/docs/developer-guides/ach-origination.md#_nacha_ach_return_codes). **Allowable Values:** Valid return code | | returned\_details.**return\_reason** string Returned | Reason the payment was returned. For more, see [NACHA ACH return codes](https://www.marqeta.com/docs/developer-guides/ach-origination.md#_nacha_ach_return_codes). **Allowable Values:** Valid return reason | | refund\_details object Conditionally returned | Contains details for a refund. **Allowable Values:** Existing `refund_details` object | | refund\_details.**method** string Returned | Payment instrument used to issue the refund. **Allowable Values:** `ACH`, `CHECK` | | refund\_details.**description** string Returned | Description of the refund. **Allowable Values:** 255 char max | | refund\_details.**status** string Returned | Current status of the refund. **Allowable Values:** `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `CANCELLED`, `COMPLETED`, `RETURNED` | | waive\_returned\_payment\_fee boolean Conditionally returned | A value of `true` indicates that a returned payment fee should not be applied. The default value of this field is `false`. This field is only considered when transitioning the status of the fee to `REFUNDED`. **Allowable Values:** `true`, `false` | | created\_time datetime Returned | Date and time when the payment was created on Marqeta's credit platform, in UTC. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | updated\_time datetime Returned | Date and time when the payment was last updated on Marqeta's credit platform, in UTC. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | transitions array of objects Returned | Contains one or more `transitions` objects, which contain information about a payment status transition. **Allowable Values:** One or more `transitions` objects | | transitions\[].**token** string Returned | Unique identifier of the payment status transition. **Allowable Values:** 36 char max | | transitions\[].**account\_token** string Returned | Unique identifier of the credit account on which you want to transition a payment status. **Allowable Values:** Existing account token | | transitions\[].**payment\_token** string Returned | Unique identifier of the payment whose status you want to transition. **Allowable Values:** Existing payment token | | transitions\[].**status** string Returned | Current status of the payment or refund. **Allowable Values:** `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `CANCELLED`, `COMPLETED`, `RETURNED`, `REFUNDED`, `SYS_ERROR`, `ACH_ERROR` | | transitions\[].**created\_time** datetime Conditionally returned | Date and time when the payment transition was created on Marqeta's credit platform, in UTC. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | allocations array of objects Conditionally returned | List of objects that contain information about how a payment is allocated. **Allowable Values:** List of payment allocations | | allocations\[].**bucket** undefined Returned | Category to which a portion of the payment is allocated. **Allowable Values:** `PRINCIPAL`, `INTEREST`, `FEES` 36 char max | | allocations\[].**amount** decimal Returned | Total amount of the payment allocation. **Allowable Values:** 0 min | | program\_migration\_time datetime Conditionally returned | Date and time when the statement summary was migrated to Marqeta's credit platform, in UTC. The value of this field is `null` if it has not been migrated. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | ## Sample response body ```json JSON expandable lines wrap theme={null} { "token": "4749ab00-fec1-471c-ac5b-b8d31d06d7e4", "account_token": "7d68f45b-1232-4283-a0ea-6b0418d37692", "method": "ACH", "payment_source_token": "4474c16b-7ba7-435b-8854-237d492e3f32", "amount": 2500, "currency_code": "USD", "status": "COMPLETED", "description": "Account statement payment", "metadata": "\\\"bank_account_last_4_digits\\\":\\\"7234\\\\\"bank_name\\\":\\\"Bank Finance Plus\\\"", "hold_days": 1, "hold_end_time": "2024-02-03T11:32:24.727Z", "is_manually_released": false, "on_hold": false, "returned_details": null, "refund_details": null, "created_time": "2024-01-31T15:03:09.717Z", "updated_time": "2024-02-03T12:00:30.072Z", "transitions": [ { "token": "b62d45d5-4495-4490-a898-3781229b235d", "account_token": "7d68f45b-1232-4283-a0ea-6b0418d37692", "payment_token": "4749ab00-fec1-471c-ac5b-b8d31d06d7e4", "status": "PROCESSING", "created_time": "2024-02-01T02:04:11.645Z" }, { "token": "82d79178-5c97-41c2-80e5-bd99bb6bb61c", "account_token": "7d68f45b-1232-4283-a0ea-6b0418d37692", "payment_token": "4749ab00-fec1-471c-ac5b-b8d31d06d7e4", "status": "SUBMITTED", "created_time": "2024-02-01T03:39:22.505Z" }, { "token": "c2a83d12-eeff-460a-b88a-bf7a2e40b251", "account_token": "7d68f45b-1232-4283-a0ea-6b0418d37692", "payment_token": "4749ab00-fec1-471c-ac5b-b8d31d06d7e4", "status": "PENDING", "created_time": "2024-01-31T15:30:45.028Z" }, { "token": "156b5134-b37d-49cf-89d5-7123b321ba5c", "account_token": "7d68f45b-1232-4283-a0ea-6b0418d37692", "payment_token": "4749ab00-fec1-471c-ac5b-b8d31d06d7e4", "status": "COMPLETED", "created_time": "2024-02-02T11:32:24.727Z" }, { "token": "64ca6c83-937c-4d37-86ae-14766bf87540", "account_token": "7d68f45b-1232-4283-a0ea-6b0418d37692", "payment_token": "4749ab00-fec1-471c-ac5b-b8d31d06d7e4", "status": "INITIATED", "created_time": "2024-01-31T15:03:09.723Z" } ] } ``` ## Related topics - [About Credit Account Payments](https://www.marqeta.com/docs/developer-guides/about-credit-account-payments.md) - [Payments Overview](https://www.marqeta.com/docs/core-api/credit-account-payments.md) - [Create payment schedule](https://www.marqeta.com/docs/core-api/credit-account-payment-schedules/create-payment-schedule.md) - [Create payment source](https://www.marqeta.com/docs/core-api/credit-account-payment-sources/create-payment-source.md) - [Create account](https://www.marqeta.com/docs/core-api/credit-accounts/create-account.md)