Working with ACH

ach is a payment method used in the united states for either a debit (pull) or credit (push) transactions between a sender (originator) and recipient (receiver) the ach network offers same day ach, so that transactions can clear on the same business day they are initiated ach is governed and administered by the national automated clearing house association (nacha) to find out more information about ach at cross river see ach product overview manage your ach activities from the payments screen in the ach tab ach payment details click a row in the payments search list payment information displays in the payment details area ach holds the ach holds tab displays information on any holds on the ach payment column description status status of hold placed on payment type type of hold placed on payment description description of hold cleared reason reason for hold notes notes on hold place hold click image and then select place hold in place manual hold dialog enter information in the description box click place hold , and then select place hold view receipt click image , and then select view receipt validation receipt displays in the dialog click dismiss to close memo posts the memo posts tab displays information on memo posts for an ach payment column description date date of memo post trace # unique core trace number of transaction associated with the memo post sub ledger sub ledger account number memo post applies to description description of memo post code transaction code of payment amount payment amount related transactions click image and enter the relevant search parameters if your ach configuration is set to aggregate, individual transaction details will not display click in the dialog to see the transaction details column description trace # unique core trace number of transaction associated with the memo post status status of transaction date date of memo post debit account debit account number credit account credit account number code transaction code of payment description description of memo post rail rail used for transaction amount transaction amount payment actions cancel payment for a pending payment click cancel payment the cancel payment? dialog displays are you sure you want to cancel this payment? this action cannot be undone note clicking cancel in the dialog will cancel the payment click cancel / confirm if applicable, enter information in either the internal only note or partner note fields, or both select same as internal note to use the same text for both notes nacha view the search results display in the transaction nacha view dialog column description batch header sec standard entry class(sec) for payment company name company name of originator desc description effective date effective date of payment (yymmdd) orig status code originator status code batch # batch number desc date date the description was entered settlement date settlement date of payment dfi identification deposit financial institution(dfi) identification entry transaction code 2 digit code identifying the account and transaction type dfi account receiver account number identification receiver identification , corresponds to nacha individual identification number field discretionary corresponds to discretionary date field trace # unique core trace number of payment receiving dfi receiver routing number amount payment amount receiver name name on receiver account addenda indicator whether addenda information exists nacha nacha message for payment view webhooks click image to toggle the search fields and enter your search criteria click search column description event payment event status expired, failed, pending, success created time and date of event creation attempted time and date of event attempt click image to open the webhook event dialog click image to open the webhook event details dialog click resource to display further details column description status expired, failed, pending, success attempted time and date of event attempt callbackurl the api call url elapsed time elapsed in milliseconds code accepted/ rejected is resend yes / no click callback url to view log details view notes this dialog displays any notes on ach payments field description date note creation date subject note subject audience note audience (internal / partner) created by cos user who created the note body note text you can also add a note as follows click add note enter the information into the fields in the create new note dialog click submit the new note displays in the notes dialog payment history click the bottom item in the payment history area to view the outbound or inbound origination history information for that related payment in the client batch search screen, click an entry to view a particular batch column description ref id transaction reference id trace # nacha trace number status payment status posting inbound /outbound type code for posting transaction partner date and timestamp of payment origina payment originator receiver payment receiver sec sec code trans transaction (pull / push) amount dollar amount client batch tasks cancel batch click cancel batch to open the dialog click no / yes client batches in the client batch search screen, click an entry to view a particular batch details of the client batch displays see the ach docid\ f jev5sqf7wkohvl3qgh to learn more about client batches column description ref id search for client batch by id account account number partner partner name payment count the number of unique payments in the batch (up to 5000) debit total the total amount to be credited to the originator account created time and date batch created (est) imported time and date batch imported (est) status processing, imported, canceled product partner product import count how many payments have been processed at the time of the query credit total the total amount to be debited from the originator account last modified time and date batch last modified column description ref id transaction reference id trace # nacha trace number status payment status posting inbound /outbound type code for posting transaction partner date and timestamp of payment origina payment originator receiver payment receiver sec sec code trans transaction (pull / push) amount dollar amount client batch tasks cancel batch click cancel batch to open the dialog click no / yes holds column description ref id payment ref id partner partner the payment is associated with note you can click the partner name to view partner details status payment status pen icon displays when a noc (notification of change) was sent for the payment arrow icon displays when the payment has a linked ach return trans type transaction type (push/ pull) completed time and date of hold completion reason code reason code linked to ach return or noc sec sec (standard entry class) code of payment direction inbound/ outbound service service type (sameday/standard) created dateand time the payment was initiated source paymentsource for inbound payments the value will always be “file”, and for outbound payments the value will always be “api” or “partner portal” hold days numberof days the credit to an account for an outbound pull payment is held note this field applies to outbound pulls only client identifier use this attribute to add your own unique identifying string to a payment call or cos record this attribute is useful for idempotency docid\ jiv0q1 cymjqqger3ijmp product product associated with payment posting posting status of payment and account number associated with payment note you can click the account number to view the account details box icon indicates a single posting trace # unique core trace number of payment data company discretionary data on payment type payment type direction payment direction (inbound / outbound) amount payment amount desc payment description effective effective date of payment (yymmdd) purpose purpose of payment addenda addenda information included in payment originator routing # originator routing number account # originator account number account type originator account type name originator name identification 10 digit identification number for originator data company discretionary data address address 1 3 of originator city city of the originator state state of the originator country country of the originator receiver routing # receiver routing number account # receiver account number account type receiver account type name receiver name identification receiver identification, corresponding to “individual identification number” nacha field data company discretionary data address address 1 3 of receiver city city of receiver state state of receiver country country of receiver iat originating bank these fields are for international transactions only name name of the bank where the transaction originated identification the originating bank identification country the country code of the originating bank iat receiving bank these fields are for international transactions only name name of the bank where the transaction is received identification the receiving bank identification iat correspondent bank 1 these fields are for international transactions only name name of corespondent bank identification the correspondent bank identification country the country code for the correspondent bank payment details notes on payment holds display here hold details ofac scan displays if hold has either been cleared or escalated originate an ach payment to originate an ach payment select the ach tab click originate payment to open the originate payment screen in the originate payment area, enter the payment details in the fields aside from the fields described here, other fields may be displayed depending on your selection of the value for the sec code field field description sec code sec (standard entry class) code for payment originator account originator account number override originator yes /no if yes then originator name , originator identification and originator data display receiver routing # receiver account routing number receiver account receiver account number receiver name name on receiver account receiver identification identification string receiver account transaction type transaction type (push/pull) service level service type (standard/ sameday) description payment description purpose payment purpose client identifier use this attribute to add your own unique identifying string to a payment call or cos record this attribute is useful for idempotency purposes amount payment amount addenda addenda for payment click originate payment the payment details display in the ach payment information screen simulate inbound originations click the originations tab to simulate an inbound origination and enter required information field description sec code sec (standard entry class) code for payment originator routing number originator account number originator name originator name originator identification originator identification number originator data receiver account receiver account number receiver name name on receiver account receiver identification receiver identification number transaction type transaction type (push/ pull) service level service type (standard/ sameday) description description amount payment amount click originate payment