We support the acceptance of both ACH credits and debits to accounts on the Treasury Prime platform and can manage both standard and sameday levels of service.

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Managing Incoming ACH Transfers

Treasury Prime does not currently support the direct management or control of incoming ACH transfers. For incoming ACH transfers, an associated ACH object is not created. Any resulting funds movement will post to the recipient’s account as a Transaction, and as such, incoming ACH transfers cannot be directly manipulated using the APIs (e.g. Returning the ACH).

Only ACH transfers originated using the Treasury Prime API can be managed or updated using the API.

Please contact our Support Team at support@treasuryprime.com if help is required in addressing an issue with a particular incoming ACH transaction (such as disputing an ACH debit), and include the id of the Transaction in question in your message.

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Example: Incoming ACH Credit

In this example, a third party sends an ACH credit for $100 from their account at Capital One to an account on the Treasury Prime platform. The basic flow is as follows:

  1. The ACH originates at Capital One, the Originating Depository Financial Institution (ODFI)
  2. The ACH is processed through the ACH network
  3. The ACH is then received by the Treasury Prime partner bank, the Receiving Depository Financial Institution (RDFI)
  4. Lastly, the ACH posts to the recipient’s account as a deposit transaction

Below you can see the transaction created from that incoming ACH credit. Note that the type field of the transaction object has a value of deposit as this is a credit to the account. For ACH debits, this would have a value of withdrawal.

Example Transaction Object Corresponding to the Incoming ACH Credit
{
  "ach_id": null,
  "amount": "100.00",
  "balance": "150.00",
  "billpay_payment_id": null,
  "book_id": null,
  "check_id": null,
  "check_number": null,
  "date": "2021-11-21",
  "desc": "INCOMING ACH CREDIT CAPITAL ONE [091000011234567][PPD]",
  "extended_timestamp": "2021-11-21T11:45:16Z",
  "extended_timestamp_precise": "2021-11-21T11:45:16.321Z",
  "fingerprint": "ttx_11gyn76cj1234b",
  "id": "ttx_11gyn76cj1234b",
  "incoming_wire": null,
  "issued_check_id": null,
  "summary": null,
  "trace_id": null,
  "type": "deposit",
  "type_source": null,
  "wire": null,
  "wire_id": null
}

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Example: Incoming ACH Debit

In this example, a third party sends an ACH debit requesting $100 from an account on the Treasury Prime platform to their account at Capital One.

  1. The ACH originates at the ODFI (Capital One)
  2. The ACH is then processed through the ACH network
  3. The ACH is received by the RDFI
  4. Lasty, the ACH posts to the recipient’s account as a withdrawal transaction (shown below)
Example Transaction Object Corresponding to the Incoming ACH Debit
{
  "ach_id": null,
  "amount": "-100.00",
  "balance": "200.00",
  "billpay_payment_id": null,
  "book_id": null,
  "check_id": null,
  "check_number": null,
  "date": "2021-07-20",
  "desc": "INCOMING ACH DEBIT CAPITAL ONE [09100001122233][POS]",
  "extended_timestamp": "2021-07-20T11:45:13Z",
  "extended_timestamp_precise": "2021-07-20T11:45:13.794Z",
  "fingerprint": "ttx_11gyjjt9j1234a",
  "id": "ttx_11gyjjt9j1234a",
  "incoming_wire": null,
  "issued_check_id": null,
  "summary": null,
  "trace_id": null,
  "type": "withdrawal",
  "type_source": null,
  "wire": null,
  "wire_id": null
}

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Webhooks for Incoming ACH Transfers

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Webhooks for Incoming ACHs with Ledger Account Recipient

Incoming ACHs landing at ledger accounts will trigger the incoming_ach.create webhook which fires when new incoming ACH objects are created.

Example incoming_ach.create Webhook Notification
{
  "event": "incoming_ach.create",
  "op": "create",
  "url": "https://api.treasuryprime.com/account/acct_11her5nvc012ab",
  "id": "acct_11her5nvc012ab"
}

Please note that this webhook will only work with ledger accounts. For webhooks on inbound ACHs against core accounts, see below.

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Webhooks for Incoming ACHs with Core Account Recipient

A successful incoming ACH transfer results in a new transaction on the recipient’s account. Knowing this, you can monitor incoming ACH transfers by subscribing to the account.update webhook, which fires any time a new transaction is created on an account.

Example account.update Webhook Notification
{
  "event": "account.update",
  "op": "update",
  "url": "https://api.treasuryprime.com/account/acct_11her5nvc012ab",
  "id": "acct_11her5nvc012ab"
}

A second webhook transaction.create may also be used to receive updates when new transactions are created; however, this webhook (and the associated Transaction object) do not contain any information to identify the account that the transaction belongs to. So this will likely be most useful in circumstances where you are interested in identifying all new transactions as they are created, but do not need to know the account to which that transaction belongs.

Example transaction.create Webhook Notification
{
  "event": "transaction.create",
  "op": "create",
  "url": "https://api.treasuryprime.com/transaction/ttx_11hqfx7xejabcd",
  "id": "ttx_11hqfx7xejabcd"
}

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Identifying Incoming ACH Transfers

As outlined above, a successful incoming ACH transfer will result in a transaction being on the recipient’s account. However, other funds movements (such as book transfers, and wires) also result in the same outcome. To identify which transactions occurred as a result of an incoming ACH we can look at the desc field of the Transaction object. As shown below, this field will usually contain a value starting with “INCOMING ACH” followed by the direction of the ACH (credit or debit) and the original description included with the ACH if available.

Example desc Value for an Inbound ACH Credit
"desc": "INCOMING ACH CREDIT PAYPAL [091000015555123][PPD]"
Example desc Value for an Inbound ACH Debit
"desc": "INCOMING ACH DEBIT TARGET DEBIT CRD [09100001122233][POS]"