For AI agents: the complete documentation index is at /llms.txt, and the full text of every page is at /llms-full.txt. Most pages are also available as Markdown by adding .md to the URL.
Sends an authorization request for a check or ACH transaction.
There are several steps to the ACH process, which means that ACH transactions do not clear instantly. The ACH process is as follows:
The merchant sends a transaction request to their processor.
The processor initially approves or declines the transaction.
The processor sends transactions it approves to the clearing house, as part of its daily batch.
The clearing house confirms that the customer can successfully make the payment.
If the payment is successful, the ACH approves the transaction and send the funds to the merchant's bank.
If the payment is unsuccessful, the ACH sends back an ACH return code to explain why they couldn't process the payment. Depending on the code the merchant receives, they may need to run the transaction again or contact the customer to provide an alternative payment method. You can view unsuccessful transactions by running the AchReturns report.
