The ACH API enables your COS account to both originate and receive payments through the Federal Reserve ACH network.

See API reference for more details.

Note: Inbound returns generate new payment record which is linked to the original outbound payment by the “originalPaymentId” field. In this case you would not recognize the “paymentId” corresponding to the inbound return, but you should recognize the “originalPaymentId”.

NACHA Windows

The following are the NACHA windows for submitting ACH requests:

ACH Type

Cut off times

ACH (Standard)

Cut off is 16:00 EST. The Fed accepts submissions until 18:00 EST.

ACH SD (Same Day)

Cut off is 13:00 EST. The Fed accepts submissions until 16:45 EST. Limited to $100,000 per transaction.


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