ACH Payment Initiated

Event

ach.payment.initiated

Explanation

FinTechs can leverage the ACH Payment Initiated webhook to receive notifications when an outbound ACH payment requested by the FinTech has been initiated and submitted to the ACH network for processing, providing early visibility into the payment before settlement.

When it occurs

This webhook fires when a user or system initiates an ACH payment and it is submitted to the ACH network for processing.

Payload

{
    "event": "ach.payment.initiated",
    "referenceId": "fae5843e-c6ad-4382-bead-2617fa3673da",
    "uid": "03ef868c-2acd-47fe-8c10-a38d5f9aa30e",
    "timestamp": "2026-06-15T15:22:11.158721931",
    "fields": {},
    "data": "{\"transferId\":\"cce3f19e-35c1-4de9-bc83-1534f34b9a00\",\"status\":\"SCHEDULED\",\"amount\":3.65,\"transferTypeName\":\"SameDay ACH Payment (PPD)\",\"acctUbaid\":\"a93cee43-0f76-4e68-a101-e1006a5e4562\",\"event\":\"ach.payment.initiated\",\"paymentId\":\"cce3f19e-35c1-4de9-bc83-1534f34b9a00\",\"currency\":\"USD\",\"debtorRoutingNumber\":\"114026365\",\"creditorRoutingNumber\":\"064209643\",\"initiatedByUserId\":\"78533776916\",\"initiatedByChannel\":\"N/A\",\"remarks\":\"Jameel TestCorp2|223344561|DES: PAYMENTS|Joey ThreadBank||8470000640901|PPD|ACH Payment\",\"createdAt\":\"2026-06-15T15:20:19.293583768\",\"companyName\":\"Jameel TestCorp2\",\"companyId\":\"223344561\",\"effectiveEntryDate\":\"2026-06-15\",\"secCode\":\"PPD\",\"traceNumber\":\"114026360000001\",\"originatingDepositoryRoutingNumber\":\"114026365\",\"originatingDepositoryName\":\"VANTAGE BANK\",\"receivingDepositoryRoutingNumber\":\"064209643\",\"receivingDepositoryName\":\"THREAD BANK\",\"originatorName\":\"Jameel TestCorp2\",\"originatorAccountNumber\":\"5551702076362\",\"originatorAccountType\":\"CHECKING\",\"receiverName\":\"Joey ThreadBank\",\"receiverAccountNumber\":\"8470000640901\",\"receiverAccountType\":\"DDA\",\"receiverIdNumber\":\"064209643\",\"addendaPaymentRelatedInfo\":\"ACH Payment\",\"addendaType\":\"05\",\"statusDetail\":\"Committed\",\"direction\":\"ORIGINATING\",\"settlementDateTime\":\"\",\"routingCategory\":\"SAMEDAYACH\",\"customerId\":\"78533776916\"}"
}