---
title: ACH
slug: concepts/payments/ach
description: Cross River ACH lets you send or receive domestic payments individually or in batches, with Same Day or Standard settlement, following Nacha rules.
docTags: 
createdAt: 2025-03-25T15:04:27.867Z
---

:::CtaButton{label="ACH APIs" docId="uV8uw2VzQX5bzghh2A5KP" openInNewTab="true"}

:::

## 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](https://www.nacha.org/content/how-ach-payments-work), 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](docId:0papBZYBjF0LZPac8-tRW) and [Standard](docId:0papBZYBjF0LZPac8-tRW) 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](docId\:A6PiIKl4qllwWNkFJ5tXq): You can send multiple payments in a single API call.

## Find out more

- [Outbound and inbound](docId\:rqqtpgcfU3hQrGMqMuERM)
- [Payment types](docId:0papBZYBjF0LZPac8-tRW) 
- [Participant roles](docId\:gP67oDbdcrlUrhNnyUKKr)
- [Payment settlement](docId\:qQ3D8sBTuETGRtKaXTK1M)
- [Time windows](docId\:E2visF8PQW49xrCm5AYLY)
- [SEC codes](docId\:M8a5dbzFhH5TV1NytK9Aw) 
- [ACH in COS Explorer](docId\:Hkt2KqLM4p4PdEknaz6Oz) 

## Tutorials

See our tutorials to learn how to:

| Through APIs                                          | Through COS Explorer                                 |
| ----------------------------------------------------- | ---------------------------------------------------- |
| [Send an ACH](docId\:HLIqOJNMHJwJRI29Z0Ryt)           | [Send an ACH](docId:9P9sIytdnDT2ien6qMwOk)           |
| [Send a client batch](docId:93yC84GGRygSZe1OPiW2m)    | [Cancel an ACH](docId\:luMw9ECn0GeTx47iU6P3i)        |
| [Simulate inbound ACH](docId\:XiG1oe0IP7L9Q-Ii3U-Mk)  | [Find ACH payment](docId\:mao_VwziURvXCAdtGpPOw)     |
|                                                       | [Manage reversal flow](docId:_XTTEhiJZ6z3XFfueIMQ_)  |