---
title: "Create ACH Transaction"
method: POST
path: "/createAchTransaction"
tags: ["Transactions"]
---

# Create ACH Transaction

`POST /createAchTransaction`

Use the Create ACH Transaction endpoint to originate an ACH transaction to move funds between a customer account (`accountNo`) and an existing ACH bank account (`achAccountId`). Use the <a href="ref:post_addachaccount" target="_blank">Add ACH Account</a> endpoint to add an ACH bank account.

For more information on this endpoint see <a href="doc:ach-endpoints#creating-an-ach-transaction" target="_blank">Creating  an ACH transaction</a> in the *ACH Endpoints* guide.

## Response `default`

- object
  - `status_code` integer, nullable, required — The response status code. May return a string for some statuses.
  - `status` string, nullable, required — The condition of a process or response
  - `processing_time` number, float, nullable, required — The time elapsed in processing the transaction
  - `echo` object, nullable, required — A structure that contains transaction ID information
    - `transaction_id` string, nullable, required — An ID that represents an API transaction
    - `provider_timestamp` string, date-time, nullable, required — Store a related timestamp for reporting and troubleshooting purposes
    - `provider_transaction_id` string, nullable, required — Secondary transaction identifier (generated by a provider)
  - `system_timestamp` string, date-time, nullable, required — A system generated timestamp
  - `rtoken` string, nullable, required — A system-generated ID used for tracking
  - `errors` string[] — A list of errors generated while the request was processed
  - `response_data` object, nullable, required — A structure for the response data. It can be empty but usually will contain information.
    - `balance` number, float, required — The available balance prior to applying the ACH transaction that is initiated by this endpoint call.For outgoing credits the balance adjustment happens shortly after calling this endpoint; for outgoing debits, the balance is adjusted when the hold period expires. An Events API message notifies when the transaction is posted to the account.
    - `ach_transaction_id` string, required — Unique identifier for the ACH transaction

---

[API](https://skmtc.net/galileo-ft/apis/program-api.md) · [All operations](https://skmtc.net/galileo-ft/apis/program-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/galileo-ft/program-api/versions/bcd728f97a18/schema)