ACH Intro

ACH resources

ACH is an electronic form of payment between US bank accounts. It is a fast, reliable, and cost-efficient way to send and receive money.

To create an ACH transaction, you will need to:

  • Create Users (Sender & Receiver)
  • Link Bank Accounts (with Bank Logins or Account/Routing numbers)
  • Create a transaction

Cutoff Times

Cutoff Time
Settlement Time

Same Day ACH

9AM PT

Same Business Day
Transactions sent after the cutoff time will be included in the Next Day ACH batch at 4PM PT. Same Day pricing will still apply.

Next Day ACH (default)

4PM PT

Next Business Day
Transactions sent after the cutoff time will be included in the following business day's ACH batch.

Node Types

LINKING METHOD
ACCOUNT TYPE
DEFAULT PERMISSION
DESCRIPTION

Link with Bank Logins

ACH-US

CREDIT-AND-DEBIT

An external checking or savings account (ex: your Chase account). The account is verified instantly.

Link with Account/Routing

ACH-US

CREDIT

An external checking or savings account (ex: your Chase account). Verify with micro-deposits to receive CREDIT-AND-DEBIT permissions.

ACH-US node object

_id:
string

Object ID of the node

_links.self.href:
string

HAL style link for the node

allowed:
string

Denotes the account standing. Look at the node permissions section below to learn more

client.id:
string

ID of the client that created the node

client.name:
string

Name of the client that created the node

info.account_num:
string

Last 4 digits of the account number associated with the node

info.address:
string

Address of the bank

info.balance.amount:
double

Balance associated with the node.

info.balance.currency:
stringUSD

Currency of the node

info.bank_name:
string

Name of the bank

info.bank_long_name:
string

Name of the bank

info.name_on_account:
string

Name of the user who owns the node

info.nickname:
string

Any nickname/common name given to the node. Eg. Savings Node

info.routing_num:
string

Last 4 digits of the routing number associated with the node

info.type:
stringPERSONAL

Type of bank account. PERSONAL or BUSINESS

is_active:
booleantrue

If the node is indexed or marked deleted.

timeline:
array of objects

Array that tracks node updates as they occur

type:
string

Type of node

extra.supp_id:
string

Any supplied ID given by the client that created the node

NODE PERMISSIONS

Every ACH-US node can have the following permissions associated with them

PERMISSION
DESCRIPTION

CREDIT

Node can only receive funds. In case of ACH-US nodes added with ACT/RT #, you need to Verify Micro-deposit to obtain CREDIT-AND-DEBIT permission.

CREDIT-AND-DEBIT

Node can be used for sending or receiving funds

INACTIVE

Node has been disabled and cannot be used for any transactions.

LOCKED

Node has been locked and cannot be used for any transactions. This cannot be unlocked by the platform.