ACH Origination

Send and collect ACH payments with greater control and visibility

Enable partner applications to originate ACH credits and debits, check payment status, manage addenda records, and undo eligible payment requests through KeyBank’s ACH Origination API.

Features

ACH payment origination

• Send or collect ACH payments using supported SEC codes.
• Support business-to-business, consumer, phone-authorized, and online payment scenarios.
• Submit payment details at the batch and transaction level.

Payment status and tracking

• Check the status of one or more ACH payment requests.
• Track accepted, rejected, and consolidated payment statuses.
• Use UUIDs and custom data to support transaction identification and reconciliation.

Addenda and remittance support

• Include addenda information with supported payment types.
• Check the status of addenda records throughout the business day.
• Support detailed remittance information for more complex B2B payments.

Payment correction and control

• Undo eligible payment requests before the collection window.
• Use UUID values to identify payment requests for undo actions.
• Support validation and required-field checks before processing.

Workflow

Use cases

Pay vendors or suppliers

A business can use the ACH Origination API to send ACH credits for vendor, supplier, or other B2B payment workflows.

Collect customer payments

An organization can use the API to collect authorized payments from consumer or business accounts.

Support invoice and remittance workflows

A treasury or accounts receivable team can use addenda and custom data to support reconciliation, invoice matching, and payment tracking.

Important to know

• ACH Origination uses POST methods to generate ACH transactions.
• Specific permissions are required to access ACH API products.
• Undo requests are time-sensitive and typically must occur within the permitted collection window.
• Custom data can be included to support reconciliation and transaction detail.