Pay: ECP/ACH requires AVSName Parameter in the <Pay> verb.

A 64014 Error is an indication that the provided paymentMethod attribute "ach-debit" was used, but the AVSName Parameter was not found inside the verb.

Electronic Check Processing requires a name.

Make sure a "AVSName" Parameter element exists inside the verb.

Example:

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<Pay paymentMethod="ach-debit" ...>
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  <Parameter name="AVSName" value="john smith" />
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</Pay