ACH Transactions
- Supports both credit and direct debit transactions
- Automated retry mechanisms and flexible holiday processing
- U.S. ACH reversal capabilities with compliance controls
- Real-time acknowledgment with callback notifications
What are ACH Transactions?
The ACH Transactions APIs allow users to initiate and manage both credit and direct debit payments globally across North America, EMEA, and Asia Pacific regions. The Payments API enables outbound payment processing with callback-based status updates and support for sponsored accounts. The Direct Debits API provides synchronous ACK/NACK responses for immediate processing feedback and includes specialized functionality for U.S. ACH reversals. Both APIs feature automated callback notifications, exponential retry mechanisms, and flexible holiday processing configurations to ensure reliable payment delivery and status tracking.
Low Value & ACH Payments
Initiate low value and ACH payment transactions globally across NA, EMEA, and APAC regions with callback-based status updates and support for sponsored accounts.
Low Value & ACH Direct Debits
Initiate low value and ACH direct debit transactions globally with real-time acknowledgment responses and specialized support for U.S. ACH reversals.
How to choose
The following table summarizes the key features, coverage, and use cases of the ACH Transactions APIs:
| Feature | Low Value & ACH Payments | Low Value & ACH Direct Debits |
|---|---|---|
| Primary use case | Initiate payments (credits) | Initiate direct debits and reversals |
| Transaction types | Credits | Debits |
| Response type | Callback-based updates | Synchronous ACK/NACK + callbacks |
| Coverage | NA, EMEA, APAC | NA, EMEA, APAC |
| Real-time status | Callbacks only | Yes (synchronous response) |
| U.S. ACH reversals | Not supported | Yes (within 5 banking days) |
| Sponsored accounts | Yes (U.S. only) | Not supported |
| Reversal time window | Not supported | Within 5 banking days of original payment |
| Callback updates | Up to 50 payments per message | Up to 50 payments per message |
| Retry mechanism | Exponential (10*3^x seconds) | Exponential (10*3^x seconds) |
| Holiday processing | Automatic revaluation (if configured) | Automatic revaluation (if configured) |
What you can build
With ACH Transactions APIs, you can build solutions to automate payment initiation, manage collections, process reversals, and handle multi-region transactions across global ACH networks.
Automate supplier and payroll payments
Initiate bulk ACH credit payments across multiple regions and receive callback notifications with status updates for up to 50 payments at once to streamline disbursements.
Manage direct debit collections
Process recurring customer collections with real-time ACK/NACK responses to immediately confirm acceptance or identify issues before settlement.
Handle payment corrections and reversals
Reverse erroneous U.S. ACH debits within five banking days using the reversal functionality to maintain accurate accounting and customer satisfaction.
Process multi-region transactions
Initiate payments and collections across NA, EMEA, and APAC regions with a single API integration, using automated callbacks to track transactions across different time zones and clearing systems.