feat(checkbook_io): connector integrate ACH

[Nithin1506200]

Type of Change

• Bugfix
• New feature
• Enhancement
• Refactoring
• Dependency updates
• Documentation
• CI/CD

Description

Additional Changes

• This PR modifies the API contract
• This PR modifies the database schema
• This PR modifies application configuration/environment variables

Integrate CHECKBOOK_IO
DOCS

• https://docs.checkbook.io/docs/concepts/environments/
• https://sandbox.app.checkbook.io/account/dashboard

Implement BANKTRANSFER/ACH

** NOTE : payment link will only be sent via email

How did you test it?

ACH

PAYMENT CREATION

{
  "confirm": true,
  "billing": {
    "address": {
      "zip": "560095",
      "country": "US",
      "first_name": "akshakaya N",
      "last_name": "sss",
      "line1": "Fasdf",
      "line2": "Fasdf",
      "city": "Fasdf"
    },
    "email": "[email protected]"
  },
  "email": "[email protected]",
  "amount": 333,
  "currency": "USD",
  "capture_method": "automatic",
  "payment_method": "bank_transfer",
  "payment_method_type": "ach",
  "description": "hellow world",
  "payment_method_data": {
    "bank_transfer": {
      "ach_bank_transfer": {}
    }
  }
}

payment response

{
    "payment_id": "pay_iY6zT9EeXtCC6FWDNJcX",
    "merchant_id": "merchant_1753248277",
    "status": "requires_customer_action",
    "amount": 333,
    "net_amount": 333,
    "shipping_cost": null,
    "amount_capturable": 333,
    "amount_received": null,
    "connector": "checkbook",
    "client_secret": "pay_iY6zT9EeXtCC6FWDNJcX_secret_8UkJCDq38T6itlYKhvfh",
    "created": "2025-07-23T10:53:11.390Z",
    "currency": "USD",
    "customer_id": null,
    "customer": {
        "id": null,
        "name": null,
        "email": "[email protected]",
        "phone": null,
        "phone_country_code": null
    },
    "description": "hellow world",
    "refunds": null,
    "disputes": null,
    "mandate_id": null,
    "mandate_data": null,
    "setup_future_usage": null,
    "off_session": null,
    "capture_on": null,
    "capture_method": "automatic",
    "payment_method": "bank_transfer",
    "payment_method_data": {
        "bank_transfer": {
            "ach": {}
        },
        "billing": null
    },
    "payment_token": null,
    "shipping": null,
    "billing": {
        "address": {
            "city": "Fasdf",
            "country": "US",
            "line1": "Fasdf",
            "line2": "Fasdf",
            "line3": null,
            "zip": "560095",
            "state": null,
            "first_name": "akshakaya N",
            "last_name": "sss"
        },
        "phone": null,
        "email": "[email protected]"
    },
    "order_details": null,
    "email": null,
    "name": null,
    "phone": null,
    "return_url": null,
    "authentication_type": "no_three_ds",
    "statement_descriptor_name": null,
    "statement_descriptor_suffix": null,
    "next_action": null,
    "cancellation_reason": null,
    "error_code": null,
    "error_message": null,
    "unified_code": null,
    "unified_message": null,
    "payment_experience": null,
    "payment_method_type": "ach",
    "connector_label": null,
    "business_country": null,
    "business_label": "default",
    "business_sub_label": null,
    "allowed_payment_method_types": null,
    "ephemeral_key": null,
    "manual_retry_allowed": null,
    "connector_transaction_id": "1b3e42f27214433ca90a9b791806aa4b",
    "frm_message": null,
    "metadata": null,
    "connector_metadata": null,
    "feature_metadata": null,
    "reference_id": null,
    "payment_link": null,
    "profile_id": "pro_0osoWZTgnVYIc9tHhKTu",
    "surcharge_details": null,
    "attempt_count": 1,
    "merchant_decision": null,
    "merchant_connector_id": "mca_eqxZAe2nz9gsBmMYb1xP",
    "incremental_authorization_allowed": null,
    "authorization_count": null,
    "incremental_authorizations": null,
    "external_authentication_details": null,
    "external_3ds_authentication_attempted": false,
    "expires_on": "2025-07-23T11:08:11.390Z",
    "fingerprint": null,
    "browser_info": null,
    "payment_method_id": null,
    "payment_method_status": null,
    "updated": "2025-07-23T10:53:12.389Z",
    "split_payments": null,
    "frm_metadata": null,
    "extended_authorization_applied": null,
    "capture_before": null,
    "merchant_order_reference_id": null,
    "order_tax_amount": null,
    "connector_mandate_id": null,
    "card_discovery": null,
    "force_3ds_challenge": false,
    "force_3ds_challenge_trigger": false,
    "issuer_error_code": null,
    "issuer_error_message": null,
    "is_iframe_redirection_enabled": null,
    "whole_connector_response": null
}

Check MAIL FOR link

** NOTE : UNABLE TO VERIFY SUCCESS IN SANDBOX FOR INVOICE

cypress test attachment

Checklist

• I formatted the code cargo +nightly fmt --all
• I addressed lints thrown by cargo clippy
• I reviewed the submitted code
• I added unit tests for my changes where possible

[semanticdiff-com]

Review changes with  

Changed Files

File	Status
crates/payment_methods/src/configs/payment_connector_required_fields.rs	43% smaller
crates/hyperswitch_connectors/src/connectors/checkbook/transformers.rs	19% smaller
cypress-tests/cypress/support/commands.js	11% smaller
crates/hyperswitch_connectors/src/connectors/checkbook.rs	8% smaller
crates/router/tests/connectors/checkbook.rs	3% smaller
api-reference/v1/openapi_spec_v1.json	0% smaller
api-reference/v2/openapi_spec_v2.json	0% smaller
config/deployments/integration_test.toml	Unsupported file format
config/deployments/production.toml	Unsupported file format
config/deployments/sandbox.toml	Unsupported file format
config/development.toml	Unsupported file format
crates/common_enums/src/connector_enums.rs	0% smaller
crates/connector_configs/src/connector.rs	0% smaller
crates/connector_configs/toml/development.toml	Unsupported file format
crates/connector_configs/toml/production.toml	Unsupported file format
crates/connector_configs/toml/sandbox.toml	Unsupported file format
crates/router/src/core/connector_validation.rs	0% smaller
crates/router/src/types/api/connector_mapping.rs	0% smaller
crates/router/src/types/connector_transformers.rs	0% smaller
cypress-tests/cypress/e2e/configs/Payment/Checkbook.js	0% smaller
cypress-tests/cypress/e2e/configs/Payment/Commons.js	0% smaller
cypress-tests/cypress/e2e/configs/Payment/Stripe.js	0% smaller
cypress-tests/cypress/e2e/configs/Payment/Utils.js	0% smaller
cypress-tests/cypress/e2e/spec/Payment/00017-BankTransfers.cy.js	0% smaller
cypress-tests/cypress/support/redirectionHandler.js	0% smaller