Announcing four new products.Four new products.Watch the keynote.

ACH

Ultimate control
and simplicity

Originate ACH credits and debits with a single API request. Utilize all six settlement windows, configure every NACHA option and control every step.

Start building Documentation
Transfer
$241.00

Personal checking - 2919

Created

January 26, 2025 - 10:20 AM

Initiated

January 26, 2025 - 12:03 PM

Submitted

January 26, 2025 - 1:14 PM

Settled

January 26, 2025 - 3:46 PM

Completed

January 26, 2025 - 3:46 PM

{
  "id": "acht_2HKbYE2th2sFioBxrRFOZL3IHR4",
  "iat": null,
  "type": "CREDIT",
  "amount": 100000,
  "status": "SUBMITTED",
  "is_on_us": false,
  "same_day": false,
  "company_id": "9959349647",
  "created_at": "2022-11-09T23:32:47Z",
  "settled_at": null,
  "updated_at": "2022-11-09T23:32:48Z",
  "description": "",
  "is_incoming": false,
  "receiver_id": "",
  "returned_at": null,
  "cancelled_at": null,
  "company_name": "COLUMN NA",
  "completed_at": null,
  "effective_on": "2022-11-10T08:00:00Z",
  "initiated_at": "2022-11-09T23:32:47Z",
  "nsf_deadline": null,
  "submitted_at": "2022-11-09T23:32:48Z",
  "trace_number": "121145300000005",
  "currency_code": "USD",
  "receiver_name": "CHASE ACCOUNT",
  "return_details": [],
  "acknowledged_at": null,
  "allow_overdraft": false,
  "bank_account_id": "bacc_2HKbY4W10hcBQBx5r42xMDEhv2K",
  "counterparty_id": "cpty_2HKbYBePtS8z3zK32QvwKlIoIeK",
  "idempotency_key": "",
  "entry_class_code": "PPD",
  "manual_review_at": null,
  "account_number_id": "acno_2HKbY3eq0gPP1WaQLZShDk87JC4",
  "funds_availability": "default",
  "odfi_routing_number": "121145307",
  "return_contested_at": null,
  "payment_related_info": "payment addenda for COR testing",
  "return_dishonored_at": null,
  "notification_of_changes": null,
  "company_entry_description": "PAYMENT",
  "reversal_pair_transfer_id": "",
  "company_discretionary_data": ""
}

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

curl 'https://api.column.com/transfers/ach' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d counterparty_id=cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d amount=241 \
    -d type=DEBIT \
    -d currency_code=USD \
    -d description="Recurring bill"

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.

Be at the helm of
returns and disputes

Programmatically control returns through either our API or dashboard. Returns need to be viewed from two perspectives - one as the ODFI and the other as the RDFI.

RDFI - Create ACH return

curl 'https://api.column.com/transfers/ach/acht_1xXyZXXpC5QcnyNDJW0bt0ki95E/return' \
    -d return_code="R08"

Initiate any NACHA return code via our API.

ODFI - Receive webhooks on ACH returns

{
  "id": "evnt_1vEdMiZ5pmkmrKZfNZ8LeqF2KFP",
  "created_at": "2021-07-12T23:05:36Z",
  "type": "ACH_TRANSFER_REJECTED",
  "data": {
    "id": "acht_1vEdMiRjQWQYqRqaOppMfU7BWr1",
    "return_code": "R08",
    ... // details of an ACH return object
  }
}

Receive webhooks on any incoming returns and dispute programatically.

Get ACH return

curl 'https://api.column.com/transfers/ach/acht_1xXyZXXpC5QcnyNDJW0bt0ki95E/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.
Henrique DubugrasCo-Founder and Co-CEO, Brex

Infrastructure products built for
developers in the lightest format possible

ACH

Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

Learn more

Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

Learn more

Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

Learn more

Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

Learn more

Bank Accounts

Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

Learn more

Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

Learn more

Checks

Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

Learn more

Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

Learn more

International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

Learn more

Stablecoins

Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.

Learn more

Card Issuing

Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.

Learn more

Global Banking

Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.

Learn more

Multicurrency

Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.

Learn more

Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

Learn more

Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

Learn more

Loan Purchase

Programmatically sell the loans you originate to Column.

Learn more

Start building today

Build your own products, on your terms, without layers in between.

Documentation

Explore our APIs

Get started

Quickly get up to speed

Contact sales

Come and say hello

Products

Developers

Company