---
title: Send an ACH
slug: tutorials/cos-explorer/ach/send-an-ach
docTags: 
createdAt: 2025-09-07T13:52:20.193Z
---

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## What you will learn

✅ How to send an ACH payment (push) or request for payment (pull) in COS Explorer

You can also use the [send payment](docId\:ILwmF5qnTMLo30D2H3rCH) endpoint to perform this task via API.

:::hint{type="info"}
Learn about [ACH](docId:3tt7a4nY2fyVMzEEmFwUt).
:::

## Before you begin

Make sure you have:

- [COS Explorer access](docId\:JwSEUG3ELF_gXLhy6T9KI)   
- Originator details:
  - Originator account number
- Receiver details:
  - Receiving bank routing number
  - Receiver account number
  - Payment amount in US dollars

## Process overview

To send an ACH transaction in COS Explorer, enter the originating bank account number and the required information for the account receiving the transaction. A *push transaction* sends funds from the originator to the receiver. A *pull transaction* sends a request for payment to the receiver.

## To send an ACH transaction

:::hint{type="info"}
A red asterisk (\*) indicates a required field.
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::::WorkflowBlock
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Go to **Originate Payment**<font color="#808080"> </font>under **ACH.**
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:::WorkflowBlockItem
Select **WEB** for the SEC code value.
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:::WorkflowBlockItem
Enter the Cross River bank account number for the originator.
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Leave the value for Override Originator as the default (**No - user account profile**).&#x20;
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:::WorkflowBlockItem
Enter the receiver details.&#x20;

| Required Field   | Description                                                                                                                                                                                                                                         |
| ---------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Routing number   | Routing number of the receiver's bank. For example, Chase's routing number is 021000021.                                                                                                                                                            |
| Account          | Receiver's account number where the funds are sent or taken from                                                                                                                                                                                    |
| Transaction Type | **Push**: Funds are sent from the originator to the receiver.<br />**Pull**: The originator requests funds from the receiver.                                                                                                                       |
| Service Level:   | Choose a payment type:<br />[Standard](docId:0papBZYBjF0LZPac8-tRW): Regular ACH payment. Settles within 2 business days.<br />[Same Day](docId:0papBZYBjF0LZPac8-tRW): Depending on the time of day sent, settles on the same day or the next day. |
| Description      | A description of the payment using 10 characters or fewer                                                                                                                                                                                           |
| Amount           | The US dollar amount of the transaction                                                                                                                                                                                                             |
:::

:::WorkflowBlockItem
Click **Originate Payment.**  A Payment Details screen appears giving you information about the transaction, including status.
:::
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## Payment confirmation

After originating the payment, its status changes to **Pending** or **Hold** for up to several hours.

- **Pending** tells you that the payment request is created but has not been batched for release to the Federal Reserve. The batching process occurs several times a day.
- **Hold** indicates that the payment request is in review and has not yet been approved for release to the Federal Reserve.

Next, the payment moves to **Batched** status. If the payment is originated close to a weekend or bank holiday, it may take a few days for the status to transition to **Batched**.

When the Federal Reserve accepts the payment, the status changes to **Processing.**

When the payment settles, the status becomes **Completed**.