Create Recipient (ACH)

Overview

This endpoint allows entities to create a new ACH recipient, which can later be used only for ACH-related operations (e.g., ACH dispersions). Recipients created under this endpoint cannot be used for Bre-B payments, QR flows, or any other product.

The recipient can represent either a BUSINESS or an INDIVIDUAL, and must include the identification and account information required for ACH transfers.

Endpoint Details

Definition	Description
Endpoint	https://api.paas.sandbox.co.passportfintech.com/v1/recipients/ach
Method	POST
Headers	Content-Type: application/json, Authorization
Authentication	Access Token (Bearer Token)

Request Body

Parameter	Type	Required	Constraints	Description
customer_id	String	Yes	N/A	The unique identifier of the entity customer creating the recipient.
alias	String	No	[0-128]	Friendly name or label for the ACH recipient (e.g., `Pepito SAS5`)
owner	Object			Information about the Recipient.
type	String	Yes	`INDIVIDUAL` OR `BUSINESS`	Type of Recipient, allowed values: `BUSINESS`, `INDIVIDUAL`.
first_name	String	Conditional		Given name of the Recipient Required if `type` is INDIVIDUAL.
second_name	String	No		Second name of the Recipient. Optional if `type` is INDIVIDUAL.
first_last_name	String	Conditional		First last name of the Recipient. Required if `type` is INDIVIDUAL.
second_last_name	String	No		Second last name of the Recipient. Optional if `type` is INDIVIDUAL.
business_name	String	Conditional		Company legal name Required if `Type` is BUSINESS.
identification_type	String	Yes	`CC`, `CE`, `NUIP`, `PPT`, `PEP`, `NIT`, `PAS`, `TDI`	Identification type (e.g., `NIT`). Cédula de Ciudadania: CC Foreign Card: CE Número Único de Identificación Persona: NUIP Temporary Protection Permit: PPT Special Permanence Permit: PEP Número de Identificación Tributaria: NIT Passport: PAS Id Card: TDI
identification_number	String	Yes	[1,30]	The recipient's identification number.
account	Object	Yes		Recipient accounts details.
account_type	String	Yes	`LOW_VALUE`, `ORDINARY`, `CHECKING`, `SAVINGS`, or `INCLUSIVE_LOW_VALUE`	ACH account type.
account_number	String	Yes	[1-18]	ACH bank account number.
participant	Object	Yes		Recipient bank details
name	String	Yes	For a comprehensive list of bank names, please refer to the section below.	Name of the bank associated with the account (case sensitive).

Bank List

Bank Name
BANCO AGRARIO
BANCO AV VILLAS
BANCO CAJA SOCIAL
BANCO CITIBANK COLOMBIA
ITAU BANCO CORPBANCA
DAVIVIENDA
BANCO DE BOGOTA
BANCO W SA
BANCO DE OCCIDENTE
BANCO FINANDINA
BANCO GNB SUDAMERIS
BANCO MUNDO MUJER
BANCO PICHINCHA S.A
BANCO POPULAR
BANCO PROCREDIT
BANCO SANTANDER DE NEGOCIOS
BANCOLDEX
BANCOLOMBIA
BANCOOMEVA
BBVA
CONFIAR
BANCO COOPERATIVO COOPCENTRAL
COTRAFA ENTIDAD FINANCIERA
CFA FINANCIERA ANTIOQUIA
ITAU* HELM BANK
FINANCIERA JURISCOOOP CF
SCOTIABANK COLPATRIA
BANCO FALABELLA
MIBANCO
BANCAMIA S.A
BANCO CREDIFINANCIERA SA
BANCO SERFINANZA SA
BANCO UNION
NEQUI
DAVIPLATA
PIBANK
MOVII
COLTEFINANCIERA
IRIS
J.P. MORGAN COLOMBIA
LULO BANK S.A.
BANCO BGT PACTUAL
UALA
JFK COOPERATIVA FINANCIERA
POWWI
RAPPIPAY
COINK
BOLD CF
GLOBAL66
NU
DING TECNIPAGOS SA
BNP PARIBAS COLOMBIA
BANCO CONTACTAR S.A
CREZCAMOS
KOA C.F
CREDIFAMILIA
PAYCASH

Example Request

JSON
    
xxxxxxxxxx
 
curl --location --request POST 'https://api.paas.sandbox.co.passportfintech.com/v1/recipients/ach' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
--data '{
    "customer_id": "bfdcdded-0cc2-4cda-b2d2-1681c667a879",
    "alias": "Personal Loan Account",
    "owner": {
        "type" : "BUSINESS",
        "business_name": "Passport Software SAS",
        "identification_type": "NIT",
        "identification_number": "333556747"
        },
    "account": {
        "account_type": "ORDINARY",
        "account_number": "8809090909"
 },
    "participant": {
    "name": "BANCOLOMBIA"
 
}
}'
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Response Body

HTTP Status Code: 200 OK.
The response will contain the recipient details along with its unique identifier.

Example of Response

JSON
    
xxxxxxxxxx
 
{
    "customer_id": "bfdcdded-0cc2-4cda-b2d2-1681c667a879",
    "alias": "Home Loan Account",
    "participant": {
        "name": "BANCOLOMBIA",
        "identification_number": ""
    },
    "account": {
        "account_type": "ORDINARY",
        "account_number": "8809090909"
    },
    "type": "ACH",
    "owner": {
        "type": "BUSINESS",
        "identification_type": "NIT",
        "identification_number": "333556747",
        "business_name": "Passport Software SAS"
    },
    "id": "478b5ebe-290a-464b-9acf-352e70e2143d",
    "created_at": "2026-03-10T17:01:35.849Z",
    "updated_at": "2026-03-10T17:01:35.849Z"
}
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The response confirms the recipient has been successfully created and returns a unique recipient id which is the same as recipient_id to be used in other endpoints.
For ACH transactions, there is no need for key resolution.

Common Errors and Handling

HTTP Status Code	Meaning	Description
400 Bad Request	Invalid Data	Required fields are missing or contain incorrect values.
401 Unauthorized	Expired Token	The access token is invalid or has expired.
403 Forbidden	Access Denied	The request is not authorized to create a recipient.
500 Internal Server Error	Server Error	An unexpected error occurred while creating the recipient.

Best Practices

Ensure the customer_id is correct and associated with a valid entity customer.
Validate the recipient’s identification data before making the request.

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