Payments
ACH
Send and receive
3 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 transaction details from to actions outbound from the originator inbound to the receiver the originator pushes funds to the receiver cross river receives the payment via the federal reserve cross river accepts or rejects the payment payment is delivered to the receiver account the balance in the originator account decreases and the balance in the receiver account increases outbound from the receiver after receiving a request for funds inbound to the originator the originator sends a request for funds to the receiver cross river processes the payment via ach payment is pulled from the sender account and deposited in the originator account the balance in the originator account increases and the balance in the receiver account decreases