---
title: "Charge an Existing E-Pay Account"
slug: "charge-an-existing-e-pay-account"
updated: 2026-05-04T09:55:50Z
published: 2026-05-19T17:05:10Z
canonical: "help.idibilling.com/charge-an-existing-e-pay-account"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.idibilling.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Charge an Existing E-Pay Account

This article describes the steps needed in order to make a real-time payment against an existing E-Pay account.

> [!NOTE]
> NOTE:
> 
> This differs from the CreatePaymentAccountTransaction method in the Customer web service in that the transaction will be processed real-time, rather than wait for the daily Account Posting job to run.

## Steps

1. ### Get E-Pay Account ID

There are two different methods available in order to get the ID of the existing e-pay account that the payment will be charged against:
  - Query the PaymentAccount OData – Query the [PaymentAccount](https://support.idibilling.com/webapi/Customer%20Service%20API%20Documentation/#64815.htm) OData while filtering on the CustomerID of the customer to whom the account belongs.
  - Perform a customer lookup – Perform a [CustomerLookUp](https://support.idibilling.com/webapi/Customer%20Service%20API%20Documentation/#56360.htm) operation in the Customer web service for the customer to whom the account belongs. In the request for this operation, a response group for payment accounts will have to be specified for them to be returned.
2. ### Issue Charge Request

Execute the [ChargeAccount](https://support.idibilling.com/webapi/Balance%20API%20Documentation/#6) operation using the e-pay account ID obtained in step 1. Under the hood this will look up the payment account, create and process a transaction at the payment gateway (based on configuration), and return a response from the gateway along with the CostGuard E-Pay transaction ID.

**Example:**

```plaintext
POST /api/epayaccount({id})/chargeaccount
```

*Request body:*

```plaintext
{
 "amount": 10.03,
 "bankProcessingType": "PPD",
 "transactionDescriptionID": 4,
 "transactionSource": "Online",
 "transactionType": "Credit"
}
```

*Response:*

```plaintext
{
 "amount": 10.03,
 "approvalCode": "123",
 "approvalDate": "2016-09-09T13: 35: 09.1568626-04: 00",
 "bankProcessingType": "PPD",
 "epayAccountID": 42,
 "epayTransactionID": 1,
 "errorCode": "12",
 "errorMessage": "Transaction was declined.",
 "processDate": "2016-09-09T13: 35: 09.1568626-04: 00",
 "providerAVSResultCode": "777A7",
 "providerResultCode": "Accepted",
 "providerTransactionID": "123C45",
 "transactionDescriptionID": 4,
 "transactionSource": "Online",
 "transactionStatus": "Sent",
 "transactionType": "Credit"
}
```