ACH

Rail overview

Use ACH for US bank transfers where lower cost is preferred over instant settlement.

ACH can take longer than instant rails. Conomy tracks the payment through provider acknowledgement, processing, and final settlement or return.

Region United States

Currency USD

Direction Pay-in / Pay-out

Model Bank transfer

Use ACH for scheduled or lower-urgency flows; use RTP or FedNow when instant confirmation is required.

Required fields

Field	Type	Description
type	string	Must be "ACH"
currency	string	Must be "USD"
ach.bank.accountNumber	string	US bank account number
ach.routingNumber	string	9-digit ABA routing number
ach.customer.firstName	string	Account holder’s first name
ach.customer.lastName	string	Account holder’s last name
ach.customer.email	string	Account holder’s email
ach.customer.documentNumber	string	SSN or ITIN
ach.customer.documentType	string	Document type (e.g., "SSN")
ach.accountType	string	"CHECKING" or "SAVINGS"
ach.accountHolderType	string	"INDIVIDUAL" or "BUSINESS"

Example

{
  "type": "ACH",
  "currency": "USD",
  "ach": {
    "routingNumber": "021000021",
    "accountType": "CHECKING",
    "accountHolderType": "INDIVIDUAL",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "John",
      "lastName": "Smith",
      "email": "john@example.com",
      "documentType": "SSN",
      "documentNumber": "123456789"
    }
  }
}

Object

routingNumberstringrequired

ABA routing number (9 digits).

accountNumberstringrequired

Bank account number.

accountTypestring

CHECKINGSAVINGS

customerobjectrequired

Information on who pays the transaction

idstring

Unique identifier for the internal service.

firstNamestringrequired

Payer's name

emailstring

Payer's email

lastNamestring

Payer's last name

phoneNumberstring

Payer's phone number without prefix

phoneNumberPrefixstring

Phone number prefix (e.g., +57)

documentTypestring

Documeny type of the entity (e.g., RUT, CURP, CURL). Go to the Supported Identity document types page for the complete list of supported values.

documentNumberstring

The document number associated with the documentType

addressobjectshow 8 properties

The entity’s address information.