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.
Electronic Check Processing requires a name.
Make sure a "AVSName" Parameter element exists inside the <Pay> verb.
Example:
_10<Pay paymentMethod="ach-debit" ...>_10 <Parameter name="AVSName" value="john smith" />_10</Pay