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ACH credits and debits, by API.

Move money over ACH, standard or same-day, with one request and a webhook on every status change.

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POST/v1/deposit/us-bank-ach
HTTP
x-api-key: $CFX_API_KEY
x-api-secret: $CFX_API_SECRET
Content-Type: application/json

{
  "identityId": "id_VfsdSMtd8UdgxCgTnz0tm",
  "amount": { "amount": 1000, "currency": "USD" },
  "speed": "same-day",
  "sourcePaymentInstrumentId": "pi_jk23h4j564rthk32",
  "reference": "DR-77120",
  "wallet": { "address": "7Np…SoLa", "blockchain": "SOLANA" }
}

Result

Created
Amount
$1,000.00 USD
Speed
Same-day ACH
Reference
DR-77120
Deposit
dprq_8kd9a1…

Funds settle once the ACH debit clears.

The U.S. workhorse rail.

ACH moves the majority of U.S. business payments. CFX gives you credits and debits, same-day or standard, with the NACHA details handled and screening built into every transfer.

  • Credits and debits in one endpoint
  • Same-day or standard settlement
  • Returns and disputes handled by API
  • Sanctions and PEP screening on every counterparty

What your team sees in CFX.

Every ACH debit and credit lands in a clean ledger: settlement state on each line, no batch-file guesswork.

How it moves.

  1. Initiated

    Submit a credit or debit with the counterparty and amount. Screening runs before the file goes out.

  2. Cleared

    Funds clear the ACH network over the standard or same-day window you chose.

  3. Settled

    Settlement-final, with returns and disputes surfaced through the same webhook.

In the API.

Debit
POST /v1/deposit/us-bank-achNext-day unless you set speed to same-day.
Credit
methodId: US_ACHPay out through a withdrawal quote, then accept it.
Status
deposit.deposit.statusUpdatedA webhook at each change to a debit. Payouts report on withdrawal events.

Explore the platform.

Ready to build on regulated U.S. banking rails?

Sign up, spin up a sandbox, and make your first ACH call the same day.

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