<p>U.S. Bank downloads and stores cookies on your device when you visit our website. We use these cookies to better understand and improve your browsing experience by identifying most visited pages, personalizing content, and measuring site performance.</p>


Essential cookies enable core functionality such as page navigation and access to secure areas. The website cannot function properly without these cookies; they can only be disabled by changing your browser preferences.

Performance cookies help us to improve our website by collecting and reporting information on its usage (for example, which of our pages are most frequently visited).

Cookie settings

Accounts

Corporate cards

Institutional

Lending

Payments & collections

Transportation

All APIs

API products

Solution Areas

Product Suites

Solutions

Dashboard

Resources and guides

Developers

Support tickets

Contact us

Support

### Pay businesses for procurement of supplies.

A product manager in the treasury department of a large corporation is tasked with improving efficiencies in the procure-to-pay process for the organization. The ACH Originations API helps the product manager and conveniently submit payments to vendors and suppliers. 

 

### Settle claims with payment management.

An insurance company is looking for a solution for their insurance application to disburse insurance claims and collect monthly bills. Using the ACH Originations API, the company can manage all customer payments and collections with one API connection.

Example use cases

- ACH Payments are not processed or posted on weekends or bank holidays.  However, clients who use ACH Origination via API are configured for Sunday/Holiday processing and will have the ability to submit transactions between 9 p.m. CT on Friday and 9 p.m. CT on Sunday with a Monday effective date (Tuesday will be the effective date when Monday is a bank holiday). They will also be able to submit transactions on a bank holiday before the 9 p.m. CT cutoff with a next business day effective date.  

- Same-day ACH payments must be requested prior to 2 p.m. CT.

Restrictions

<p>Enable partner applications to securely originate same-day, standard ACH payment (credit) or collection (debit) requests.</p>


ACH Originations

The ACH Originations API enables partner applications to securely originate domestic ACH payment (credit) or collection (debit) requests. With an interface intentionally designed for simplicity, ACH origination doesn’t require extensive knowledge of National Automated Clearing House Association (NACHA) terminology or file format. This makes integrating with U.S. Bank easier and faster than ever before.

Overview

Create and manage various account transactions with greater speed and efficiency.

### ACH origination

* Originate domestic ACH payments or collections.

* Send originated ACH transactions at standard or same-day speeds.

* Receive timely confirmation on ACH origination requests.

* Send payee token in place of account and routing numbers to mitigate risk of storing recipient bank account details.

* Use NACHA standardized practices and formatting of Micro-Entries as a method of account validation.

### Originated payment management

- Retrieve submitted ACH transaction details and status.

- Cancel a submitted ACH transaction.

- Subscription to ACH return and notification of change (NOC) alerts.

### Sandbox testing

Test ACH Originations API features in a sandbox environment by adding it to a project.

Features

![Easy ACH Payments & Collections - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/ach-originations/ach-origination-workflow.png)

Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Incoming Webhooks

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

Avvance Connect

Avvance Express

Avvance Flex

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Foreign Exchange

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Documentation

Sandbox quick start

Onboarding quick start

Security guide

ACH originations

ACH transaction statuses

Returns and notification of change

Cancel a transaction

Account validation

API reference

Webhook subscription

Webhook

Application error codes

Postman collection

Release notes

Overview

Features

Workflow

PREVIOUS VERSIONS

PRODUCT DOCUMENTS

Example use cases

Restrictions