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Overview

Unit allows you to receive ACH payments. For general information on the ACH network, we recommend the following series from Gusto: How ACH Works: a Developer's Perspective.

Suggestion

For more information on receiving ACH payments, please refer to Unit's ACH Guide

You may receive ACH payments (both Debit and Credit) into any deposit account. To do so, you may provide the routing number and account number to trusted third parties. These numbers are both attributes of any deposit account. Received ACH payments are processed automatically.

You can get notified by listening to the receivedPayment.created webhook and inspecting the payload for a received ACH payment.

Examples:

  • Receiving an ACH Credit in the amount of $20 when the balance is $0 will automatically result in a balance increase. Two transactions will be created: one received ACH transaction and one associated fee transaction (if the fee is non-zero).
  • Receiving an ACH Debit in the amount of $20 when the balance is $10 will automatically result in an ACH return to the originating side of the payment. No transactions will be created.

Received Payment Statuses​

A Received Payment resource is created when an incoming ACH is processed. The initial status and the lifecycle of the Received Payments may vary according to different factors that may lead to one of two final statuses: Completed or Returned

Some Received Payments are not completed immediately. This can happen when the Received ACH Credit is set to complete in a future date. In these cases, the funds will only become available (and the transaction will be created) on the completion date.

When this happens, a Received Payment resource is created, in a Pending status. You may provide the end customer with early access to those funds by implementing the Advance Received Payment capability.

The Received Payment resource can have the following statuses:

StatusDescription
PendingThe received payment was created with a future completion date. Pending payments can be advanced.
AdvancedThe received-payment was advanced by the client. Once the completion date arrives, the status will change to Completed and the client will be repaid.
PendingReviewThe received payment is pending for a review by Unit.
MarkedForReturnThe received payment was rejected and is waiting to be returned to the originating bank. It is marked for return to indicate that the transaction has been unsuccessful and needs to be processed in the opposite direction.
ReturnedThe received payment was returned (see ACH return reasons for more details).
CompletedThe received payment was completed. This happens once the payment completion date arrives. If the payment was previously advanced, the client will automatically be repaid.