ACH

Cross River ACH solution

Cross River delivers payments through the Automated Clearing House (ACH), a common electronic payment method usually used for direct deposits of paychecks and bill payments. ACH is governed by Nacha, the National Automated Clearinghouse Association.

When you use ACH through Cross River, you quickly originate and receive domestic ACH payments either as a single payment or in batches. We validate that the payment file structure meets Nacha requirements before releasing payments to the Federal Reserve.

What we offer

Settlement Priority: Same day and Standard settlement options. Same Day transactions are processed and settled on the same business day while Standard are processed and settled the next business day. Credit transactions may be processed up to two business days prior to settlement day.

Batched payments: You can send multiple payments in a single API call.

Find out more

Outbound and inbound

Payment types

Participant roles

Payment settlement

Time windows

SEC codes

ACH in COS Explorer

Tutorials

See our tutorials to learn how to:

Through APIs	Through COS Explorer
Send an ACH	Send an ACH
Send a client batch	Cancel an ACH
Simulate inbound ACH	Find ACH payment
	Manage reversal flow