ACH

ACH (Automated Clearing House) is the standard US bank-to-bank transfer network. Settlement typically takes 1–3 business days. It supports both pay-in (collecting from a US bank account) and pay-out (disbursing to a US bank account).

Country: USA | Currency: USD | Direction: Pay-in / Pay-out

Required fields

Field	Type	Description
type	string	Must be "ACH"
currency	string	Must be "USD"
ach.bank.accountNumber	string	US bank account number
ach.routingNumber	string	9-digit ABA routing number
ach.customer.firstName	string	Account holder's first name
ach.customer.lastName	string	Account holder's last name
ach.customer.email	string	Account holder's email
ach.customer.documentNumber	string	SSN or ITIN
ach.customer.documentType	string	Document type (e.g., "SSN")
ach.accountType	string	"CHECKING" or "SAVINGS"
ach.accountHolderType	string	"INDIVIDUAL" or "BUSINESS"

Example

{
  "type": "ACH",
  "currency": "USD",
  "ach": {
    "routingNumber": "021000021",
    "accountType": "CHECKING",
    "accountHolderType": "INDIVIDUAL",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "John",
      "lastName": "Smith",
      "email": "[email protected]",
      "documentType": "SSN",
      "documentNumber": "123456789"
    }
  }
}

OpenAPI reference

• Spec: conomyhq-api

• Component: ach

• Source: Payment API.yaml