# 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

```json
{
  "type": "ACH",
  "currency": "USD",
  "ach": {
    "routingNumber": "021000021",
    "accountType": "CHECKING",
    "accountHolderType": "INDIVIDUAL",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "John",
      "lastName": "Smith",
      "email": "john@example.com",
      "documentType": "SSN",
      "documentNumber": "123456789"
    }
  }
}
```

## OpenAPI reference

* Spec: `conomyhq-api`
* Component: `ach`
* Source: [Payment API.yaml](https://raw.githubusercontent.com/conomyapp/gitbook-docs/main/.gitbook/assets/Payment%20API.yaml)