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.

Start building
$3,483
ACH Transfer
  • InitiatedApril 28, 2022 - 4:01
  • SubmittedApril 28, 2022 - 7:02
  • SettledApril 29, 2022 - 2:42
  • CompletedJune 28, 2022 - 22:41

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

curl 'https://api.column.com/transfers/ach' \
  -u :<YOUR API KEY> \
  -d amount="100000" \
  -d currency_code="USD" \
  -d bank_account_id="<bank_account_id>" \
  -d counterparty_id="<counterparty_id>" \
  -d type="CREDIT"
  • 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.
Screenshot of creating an ACH transaction in the Column Dashaboard

Control returns and disputes

  • Initiate any NACHA return code via API.
  • Receive webhooks on any incoming returns and dispute programatically.

RDFI - Create ACH return

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

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
  }
}

Get ACH return

curl https://api.column.com/transfers/ach/acht_1xXyZXXpC5QcnyNDJW0bt0ki95E/return
Screenshot of returning an ACH transaction in the Column Dashboard
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 Dubugras — Co-Founder and Co-CEO, Brex
  • Start building today

    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.