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
Same Day ACH
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)
Next Business Day
Transactions sent after the cutoff time will be included in the following business day's ACH batch.
Link with Bank Logins
An external checking or savings account (ex: your Chase account). The account is verified instantly.
Link with Account/Routing
An external checking or savings account (ex: your Chase account). Verify with micro-deposits to receive CREDIT-AND-DEBIT permissions.
Object ID of the node
HAL style link for the node
Denotes the account standing. Look at the node permissions section below to learn more
ID of the client that created the node
Name of the client that created the node
Last 4 digits of the account number associated with the node
Address of the bank
Balance associated with the node.
Currency of the node
Name of the bank
Name of the bank
Name of the user who owns the node
Any nickname/common name given to the node. Eg. Savings Node
Last 4 digits of the routing number associated with the node
Type of bank account.
If the node is indexed or marked deleted.
Array that tracks node updates as they occur
Type of node
Any supplied ID given by the client that created the node
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.
Node can be used for sending or receiving funds
Node has been disabled and cannot be used for any transactions.
Node has been locked and cannot be used for any transactions. This cannot be unlocked by the platform.