ACH Inquiry

Get the status of ACH transactions with clear search and detail tools

Enable partner applications to search ACH transaction activity and retrieve transaction details through KeyBank’s ACH Inquiry API. This API helps organizations monitor ACH payment activity, review transaction status, investigate returns, and support reconciliation workflows through a secure API connection.

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Features

ACH transaction search

  • Search ACH transactions using account number, date range, amount range, or trace number.
  • Retrieve transaction activity for collected, settled, or returned ACH transactions.
  • Use pagination controls to manage large result sets.

Transaction detail lookup

  • Retrieve detailed ACH transaction information using a Payment Assigned Reference (PAR) number.
  • Review transaction status, transaction amount, settlement date, collection date, and transaction description.
  • Access receiving and originating party details.

Status and return visibility

  • Review ACH transaction status values.
  • Use return reason codes and descriptions to understand returned transactions.
  • Review Notification of Change (NOC) information when available.

Reconciliation support

  • Use PAR numbers, trace numbers, settlement information, and custom data to support reconciliation workflows.
  • Retrieve addenda and payment-related information for supported transactions.
  • Review settlement amount and settlement transaction ID when available.

Workflow

The ACH Inquiry API enables partner applications to search ACH transaction activity, retrieve transaction details, and use returned status information for reporting, reconciliation, and exception handling.

Use cases

Track ACH transaction status

A treasury or operations team can use the ACH Inquiry API to review whether ACH transactions are collected, settled, or returned.

Investigate returned ACH transactions

A business can use the API to retrieve return reason codes, return descriptions, and transaction details to support exception handling.

Support ACH reconciliation

A finance team can use transaction details, PAR numbers, trace numbers, settlement data, addenda, and custom data to reconcile ACH activity.

Important to know

  • All KeyBank APIs require onboarding, certificates, user credentials, and specific permissions.
  • ACH Inquiry can search ACH transactions and retrieve details using a PAR number.
  • Account number is required when searching ACH transactions.
  • Transaction data can be recalled within 180 days of the current date.