Outbound ACH Credit Prenote

The OUTBOUND ACH CREDIT PRENOTE (ACH_OUT_PRENOTE) API is used to send a zero-dollar ACH credit prenote to validate the RDFI’s bank account before initiating a live ACH credit transaction.

Method: POST

{{URL}}/rpc/paymentv2

---

Example

View Request Parameters

Parameter	Description
id	String Unique API request identifier
method	String API method Value: ledger.transfer
api	Object Authentication details
apiKey	String Client API key
credential	String Base64 encoded credential
signature	String Request signature
payload	Object
channel	String Payment channel Value: ACH
transactionType	String Transaction type Value: ACH_OUT_PRENOTE
reference	String Unique transaction reference
reason	String Transaction purpose
standardEntryClassCode	String ACH SEC Code (e.g., PPD)
transactionAmount	Object
amount	String Transaction amount (prenote value)
currency	String ISO currency code
creditor	Object
userType	String Creditor user classification
firstName	String Creditor first name
lastName	String Creditor last name
identification	String Creditor identifier
identificationType	String Identifier type (e.g., LOAN_ID, ORIGINATOR_NAME)
creditorAccount	Object
identification	String Account number
identificationType	String Account identifier type
identificationType2	String Account type (e.g., SAVINGS)
institution	Object
name	String Financial institution name
identification	String Routing number
identificationType	String Routing identifier type
creditorContact	Object
primaryEmail	String Primary email address
primaryPhone	String Primary phone number
creditorPostalAddress	Object
addressLine1	String
addressLine2	String
addressType	String
city	String
state	String
zipCode	String
countryCode	String
debtor	Object
userType	String Debtor user classification
firstName	String
middleName	String
lastName	String
identification	String
identificationType	String Identifier type (e.g., KYC_ID)
debtorAccount	Object
identification	String Account number
identificationType	String
institution	Object
name	String
identification	String
identificationType	String
companyName	String Debtor company name
debtorContact	Object
primaryEmail	String
primaryPhone	String
debtorPostalAddress	Object
addressLine1	String
addressLine2	String
addressType	String
city	String
state	String
zipCode	String
countryCode	String

---

Body

{
  "id": "1",
  "method": "ledger.transfer",
  "params": {
    "api": {
      "apiKey": "570000c645144cc78d5034f82d22xxxx",
      "credential": "Basic bS5zYWlmK3BsdXNsckBuZXR4ZC5jb206NTcwMxxxxxxxxxx0NGNjNzhkNTAzNGY4MmQyMmFhNmI=",
      "signature": "MEYCIQCW7qIc9WBI4Y6iUfGPNMoFz+BubdZR00NDEWkLxxxxxxxxxxMsZGiW/7KyCGDgV5jgZugmNPGCFm/wA0q7oViQpsUe"
    },
    "payload": {
      "channel": "ACH",
      "creditor": {
        "firstName": "JOHN",
        "lastName": "DOE",
        "identification": "89900200014",
        "identificationType": "LOAN_ID",
        "userType": "INDIVIDUAL"
      },
      "creditorAccount": {
        "identification": "6000000000000006",
        "identificationType": "ACCOUNT_NUMBER",
        "identificationType2": "SAVINGS",
        "institution": {
          "identification": "011002550",
          "identificationType": "ABA",
          "name": "NetXD"
        }
      },
      "creditorContact": {
        "primaryEmail": "aprescott@demobank.com",
        "primaryPhone": "7850010001"
      },
      "creditorPostalAddress": {
        "addressLine1": "3745SWWanamakerRD",
        "addressLine2": "SuiteC",
        "addressType": "HOUSE",
        "city": "Topeka",
        "countryCode": "840",
        "state": "KS",
        "zipCode": "66610"
      },
      "debtor": {
        "firstName": "Andy",
        "lastName": "Prescott",
        "identification": "89900200025",
        "identificationType": "KYC_ID",
        "userType": "INDIVIDUAL"
      },
      "debtorAccount": {
        "identification": "644643076045327",
        "identificationType": "ACCOUNT_NUMBER",
        "institution": {
          "identification": "011000015",
          "identificationType": "ABA",
          "name": "NetXD",
          "companyName": "ABC Fintech"
        }
      },
      "debtorContact": {
        "primaryEmail": "aprescott@demobank.com",
        "primaryPhone": "7000010001"
      },
      "debtorPostalAddress": {
        "addressLine1": "3745SWWanamakerRD",
        "addressLine2": "SuiteC",
        "addressType": "HOUSE",
        "city": "Topeka",
        "countryCode": "840",
        "state": "KS",
        "zipCode": "66610"
      },
      "reason": "Settlement",
      "reference": "REF1659606106202614",
      "standardEntryClassCode": "WEB",
      "transactionAmount": {
        "amount": "00",
        "currency": "USD"
      },
      "transactionType": "ACH_OUT_PRENOTE"
    }
  }
}

Response: 200

Response Parameters

Parameter	Description
id	String Echoed request ID
result	Object
api	Object
type	String "ACH_OUT_PRENOTE_ACK"
reference	String
dateTime	String
account	Object
accountId	String
balanceCents	Number
holdBalanceCents	Number
status	String ACTIVE, DORMANT, SUSPENDED, CLOSED
transactionNumber	String
transactionStatus	String
processId	String
originalRequestBase64	String

{
  "id": "1",
  "result": {
    "api": {
      "type": "ACH_OUT_PRENOTE_ACK",
      "reference": "REF1659606106202614",
      "dateTime": "2026-01-06 14:48:23"
    },
    "account": {
      "accountId": "200787946446430",
      "balanceCents": 461587,
      "holdBalanceCents": 104778,
      "status": "ACTIVE"
    },
    "transactionNumber": "QA00000000296252",
    "transactionStatus": "COMPLETED",
    "processId": "PL26010600242166",
    "originalRequestBase64": "<Base64>"
  }
}