Payments
ACH
Send and receive
2 min
ach allows you to transfer funds electronically and cost efficiently through the federal reserve ach network cross river offers both outbound and inbound ach payments, enabling you to both originate and receive ach payments cross river supports both payment types and payment types ach settlement see our tutorial to learn how to originate a payment outbound when a customer originates an outbound ach payment, funds are either pushed to or pulled from an account at an external bank an outbound push sends funds to the recipient's account and this is a credit to the receiver an outbound pull submits a request to pull funds from an external account to the account at cross river and this is a debit for the originator the following diagram shows the originate an ach payment and webhook events for ach transactions outbound flows and webhooks for ach payments inbound an inbound ach payment involves receipt (push) to or authorized withdrawal (pull) from an account at cross river an inbound push involves a customer at an external bank sending payment to an account at cross river and this is a credit for the receiver an inbound pull involves a customer at an external bank pulling money from an account at cross river and is a debit to the originator the following diagram shows the originate an ach payment and webhook events for an ach payment