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...identifier assigned to each unique ACH request (GUID)
requestBody
body
N/A
Contains the information required to create an ACH Transfer transaction
Request URL
POST /v1/transactions/domestic
Sample Request
{
"transaction": {
"clientDetails": {
"clientID":...
...details and status.
Cancel a submitted ACH transaction.
Subscription to ACH return and notification of change (NOC) alerts.
Workflow
Example use cases
Pay businesses for procurement of supplies.
Alex works as a product manager in the treasury department of a large corporation. Tasked...
Tags: payments, collections, ACH, disbursements, transfers
...details and status.
Cancel a submitted ACH transaction.
Subscription to ACH return and notification of change (NOC) alerts.
Workflow
Example use cases
Work with customers to make transactions fast, easy, and simple.
Pay businesses for procurement of supplies.
Refund a customer....
Tags: payments, collections, ACH, disbursements, transfers
...identifier assigned to each unique ACH request (GUID)
requestBody
body
N/A
Contains the information required to create an ACH Transfer transaction
Request URL
POST /v1/transactions/domestic
Sample Request
{
"transaction": {
"clientDetails": {
"clientID":...
...disbursements, requires him to enter the ACH account information of each student every semester. This is a manual process with repeated entry of sensitive payment information each semester. Payees are validated for authenticity by performing micro-deposits which increases the payee set-up...
Tags: payee tokenization, payee token management, payment information, ACH, RTP, Zelle, domestic wires, international wires, cards, checks
...ID assigned to each API call by the client, allows to trace full path of interactions through multiple sub-systems
Date
header
string
Date and time information for response
Version
header
string
API version code made up of major.minor.patch version
Response Body
{
...
..."string",
"checkNumber": 101431
},
"achDetails": {
"achCompanyID": 1330254715,
"achSecCode": "CCD"
},
"lockboxDetails": {
"lockboxNumber": "string",
"lockboxLocation": "string",
"batchTotal": 0,
"batchNumber": "string"
},
"oedDetails": {
"oedLocation": "string",
...
..."amount": 78008,
"currency": "USD",
"achTransactionDetails":
{
"companyName": "NAME000003279",
"individualID": "ACH CCD CREDIT",
"companyID": "1918144465",
"secCode": "CCD",
"companyDiscretionaryData": "G",
"entryDescription": "TAXPAYMENT",
"effectiveEntryDate": "200130"
},
...
Product notes
Version 1.1
© 2021 U.S. Bank
Here's what’s new in ACH Originations API!
Revision history
Version
Highlights
Release date
1.0
ACH Originations content release
December 2019
1.1
New feature - ACH originations using a payee token instead of account and routing number
August 4, 2021
ACH Originations API Product Security
Version 1.0
© 2019 U.S. Bank
Authentication verifies the identity of the API client. ACH Originations API clients are required to authenticate via OAuth 2.0 using the client credentials grant type. Credentials are obtained by registering with U.S. Bank as an...
...Service.
Request Body:
{
"paymentType": "ACHorRTP",
"paymentRails": {
"achAndRtpDetails": {
"routingNumber": "091215927",
"accountNumber": "123asw3458"
},
"zelleDetails": {
"emailAddress": "abe@gmail.com",
"phoneNumber": "123-456-7890"
},
"checkDetails": {
"payeeName": [
{
...
...ID assigned to each API call by the client, allows to trace full path of interactions through multiple sub-systems
Date
header
string
Date and time information for response
Version
header
string
API version code made up of major.minor.patch version
Response...
...certificate authority (CA) to authenticate each other’s identity.
Both you and U.S. Bank must be must be registered with a certificate authority (CA), and configured locally as a trusted party. This security measure reduces the risk of unauthorized use of credentials by threat actors and...
Product notes
Version 1.0
© 2019 U.S. Bank
Here's what’s new in ACH Originations API!
Revision history
Version
Highlights
Release date
1.0
ACH Originations content release
December 2019
...of return
A debit to this account (e.g., ACH or check) has a high probability of return in the next 30 days. Early Warning defines a 20%-99% probability of return as high. A dollar amount must be entered to receive this information for banks that are directly contributing information to...
...of return
A debit to this account (e.g., ACH or check) has a high probability of return in the next 30 days. Early Warning defines a 20%-99% probability of return as high.A dollar amount must be entered to receive this information for banks that are directly contributing information to the...
...of return
A debit to this account (e.g., ACH or check) has a high probability of return in the next 30 days. Early Warning defines a 20%-99% probability of return as high.A dollar amount must be entered to receive this information for banks that are directly contributing information to the...
...by the claimant. She proceeds to initiate an ACH credit to their account knowing that the funds will confidently be secured by the intended recipient.
Scenario three:
Marco needs to pay his utilities bill. He logs on to his utility provider’s website and enters his account information. As he...
Tags: account validation, fraud prevention, payments, risk mitigation
...by the claimant. She proceeds to initiate an ACH credit to their account knowing that the funds will be secured by the intended recipient.
Validate account information to process a payment.
Marco needs to pay his utilities bill. He logs on to his utility provider’s website and enters his...
Tags: account validation, payments, risk mitigation
...by the claimant. She proceeds to initiate an ACH credit to their account knowing that the funds will be secured by the intended recipient.
Validate account information to process a payment.
Marco needs to pay his utilities bill. He logs on to his utility provider’s website and enters his...
Tags: account validation, payments, risk mitigation
...is complete, and the adjuster can initiate the ACH credit.
Validate account information to process a payment.
A customer logs on to their utility provider's website to pay a bill. Before the bill can be paid, the customer must enter their account information. As the customer's account...
Tags: account validation, payments, risk mitigation
..."2018-05-02T14:30",
"achCreateDateRangeBegin": "2018-04-01T14:30",
"achCreateDateRangeEnd": "2018-05-07T14:30"
}
}
Sample Response
{
"paymentsSummary": [
{
"payerID": "Py040518",
"paymentInstructionID": "PI0000000043097",
"zellePaymentID": "string",
...
..."2018-05-02T14:30",
"achCreateDateRangeBegin": "2018-04-01T14:30",
"achCreateDateRangeEnd": "2018-05-07T14:30",
"tokenOrgID": "string"
}
}
Sample Response
{
"paymentsSummary": [
{
"payerID": "Py040518",
"paymentInstructionID": "PI0000000043097",
...
.....
Tags: payments, ACH, electronic transfers, prepaid cards, checks, disbursements, transfers
.....
Tags: payments, ACH, electronic transfers, prepaid cards, checks, disbursements, transfers
...you disbursed and described in the issue file. Each time you issue a check you'll send an electronic issue file containing check information to U.S. Bank. The bank compares the serial number, dollar amount, and, if activated for that account, payee name information with checks presented for...
Tags: payments, exceptions, fraud prevention, check, ACH