ACH
Ultimate control and simplicity
Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.
- InitiatedJune 10, 2022 - 4:01
- SubmittedJune 10, 2022 - 7:02
- SettledJune 11, 2022 - 2:42
- CompletedAugust 10, 2022 - 17:3
Full access
to Federal Reserve ACH processing_
Unparalleled ACH flexibility
ACH has a reputation for taking too long. At Column, we optimize for the fastest ACH transfers possible — often in a matter of hours.
Unlike legacy banks and middleware providers, we have a direct connection to the Federal Reserve to facilitate the quickest and most transparent transfers.
Create an ACH transfer
- Originate an ACH credit or debit in a single call.
- Control every field in the NACHA spec and send payments under any SEC code.
- Receive webhooks throughout ACH settlement to keep systems up to date at every stage of the process.

Control returns and disputes
- Initiate any NACHA return code via API.
- Receive webhooks on any incoming returns and dispute programatically.
RDFI - Create ACH return
ODFI - Receive webhooks on ACH returns
Get ACH return

We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers' growth.
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Unmatched access to money movement, bank accounts, card networks, and bank capital. By working with us, you're in the driver's seat to build you own products, on your terms, without layers in between.