---
title: "Create ACH payment"
method: POST
path: "/ach"
tags: ["ACH"]
---

# Create ACH payment

`POST /ach`

Create an ACH payment to an external party account

## Headers

- `Idempotency-Key` string, required
- `X-Agent-ID` string, nullable
- `X-Instance-ID` string, nullable

## Request body

- object
  - `data` object, required
    - `attributes` object, required
      - `direction` 'debit' | 'credit', required
      - `amount` integer, required — Integer amount in the minor units of currency.
      - `currency` 'USD'
      - `walletId` string
      - `externalPartyAccountId` string, required
      - `mandateId` string
      - `companyEntryDescription` string, required — ACH company entry description. Maximum 10 characters.

## Response `201`

Successful Response

- object
  - `data` object, required
    - `type` 'ach', required
    - `id` string, required
    - `attributes` object, required
      - `direction` 'debit' | 'credit', required
      - `amount` integer, required — Integer amount in the minor units of currency.
      - `currency` 'USD', required
      - `status` 'CREATED' | 'AWAITING_APPROVAL' | 'APPROVAL_DENIED' | 'PROCESSING' | 'SETTLED' | 'FAILED' | 'RETURNED' | 'CANCELED', required
      - `companyEntryDescription` string, required — The company entry description requested at creation. Echoes the create input verbatim; see submittedDescriptor for what was sent to the bank.
      - `secCode` 'WEB' | 'PPD' | 'TEL' | 'CCD', required
      - `submittedDescriptor` object, required
        - `companyName` string, required — Company name submitted on the ACH payment.
        - `companyEntryDescription` string, required — Company entry description submitted on the ACH payment.
      - `traceNumber` string, nullable, required
      - `failure` object, nullable, required
        - `reason` string, nullable, required
        - `code` string, nullable, required
      - `return` object, nullable, required
        - `code` string, required
        - `reason` string, nullable, required
        - `returnedAt` string, required
        - `dishonoredAt` string, nullable, required
        - `contestedAt` string, nullable, required
        - `fundsUnlockedAt` string, nullable, required
      - `submittedAt` string, nullable, required
      - `settledAt` string, nullable, required — When the transfer settled at the receiving bank. Settlement is the ACH resting state; a return can still arrive afterward.
      - `expectedAvailableAt` string, nullable, required — Expected availability time, when known.
      - `terminalAt` string, nullable, required
      - `createdAt` string, required
      - `updatedAt` string, required
    - `relationships` object, required
      - `customerParty` object, required
        - `data` object, required — Related resource identifier.
          - `type` 'party', required
          - `id` string, required
      - `wallet` object, required
        - `data` object, required — Related resource identifier.
          - `type` 'wallet', required
          - `id` string, required
      - `externalParty` object, required
        - `data` object, required — Related resource identifier.
          - `type` 'external_party', required
          - `id` string, required
      - `externalPartyAccount` object, required
        - `data` object, required — Related resource identifier.
          - `type` 'external_party_account', required
          - `id` string, required
      - `mandate` object, required
        - `data` object, nullable, required — Related resource identifier.
          - `type` 'mandate', required
          - `id` string, required

## Other responses

- `400` — Validation Error
- `401` — Unauthorized
- `403` — Forbidden
- `404` — Not Found. Returned when the resource does not exist, or when it exists but is not accessible to your account. The two cases are intentionally indistinguishable, so that resource IDs cannot be enumerated by probing.
- `409` — Conflict
- `422` — Validation Error
- `428` — Precondition Required
- `429` — Too Many Requests
- `500` — Internal Server Error
- `501` — Not Implemented
- `502` — Bad Gateway
- `503` — Service Unavailable

---

[API](https://skmtc.net/natural/apis/natural-api.md) · [All operations](https://skmtc.net/natural/apis/natural-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/natural/natural-api/revisions/c2c65e052711/schema)