---
"@context": https://schema.org
"@type": TechArticle
"@id": https://www.twilio.com/docs/api/errors/64014#article
headline: "64014: Pay: ECP/ACH requires AVSName Parameter in the <Pay> verb."
url: https://www.twilio.com/docs/api/errors/64014
inLanguage: en
dateModified: 2026-03-11T22:03:37.000Z
author:
  "@type": Organization
  name: Twilio Developer Education Team
publisher:
  "@type": Organization
  name: Twilio
---

# 64014: Pay: ECP/ACH requires AVSName Parameter in the \<Pay> verb.

Log Type: APPLICATION

Log Level: ERROR

## Description

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

### Possible causes

Electronic Check Processing requires a name.

### Possible solutions

Make sure a "AVSName" Parameter element exists inside the `<Pay>` verb.

Example:

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