Initiate ACH Payment

Overview

This endpoint allows you to initiate a payment through the ACH rail using the Passport API. A successful request creates the payment object and returns the transaction details, including its status and recipient information.

Requirement

ACH Recipient successfully created beforehand.

Endpoint Details

Parameter	Description
Endpoint	https://api.paas.sandbox.co.passportfintech.com/v1/payments/ach
Method	POST
Headers	Content-Type: application/json, Authorization
Authentication	Bearer Token

Request Body

Parameter	Type	Required	Description
account_id	String	Yes	Unique ID of the account from which the payment will be made.
recipient_id	String	Yes	Unique ID of the ACH recipient that will receive the payment.
amount	Object	Yes	Defines the value and currency for the transaction.
value	String	Yes	Amount to transfer.
currency	String	Yes	Transaction currency. Must be `"COP"`.
description	String	No	Payment reference: free-text field that allows any additional or custom information related to the transaction to be included.
type	int		Code used for the transaction type in different scenarios according to the table: Disbursement: Savings Account Disbursement: `32` CR Registration Savings Account: `33` Checking Account Disbursement: `22` CR Registration Checking Account: `23` Electronic Deposit Disbursement: `52` Electronic Deposit Registration: `53`

Note

amount.value refers to the value field inside the amount object.

Request Example

curl --location --request POST 'https://api.paas.sandbox.co.passportfintech.com/v1/payments/ach' \ --header 'Content-Type: application/json' \ --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \ --data '{ "account_id": "1b095dbd-7d4b-46d5-8807-1d636482e48a", "recipient_id": "478b5ebe-290a-464b-9acf-352e70e2143d", "amount": { "value": "1000.00", "currency": "COP" }, "description": "Payment", "type": 32 }'

Response Body

HTTP Code: 200 OK
Returns the payment data along with its unique ID

Response Example

{ "amount": { "value": "1000.00", "currency": "COP" }, "direction": "OUTBOUND", "status": "PENDING", "receiver": { "participant": { "name": "BANCOLOMBIA", "identification_number": "007" }, "owner": { "type": "BUSINESS", "identification_type": "NIT", "identification_number": "333556747", "name": "Passport Software SAS" }, "account": { "account_type": "ORDINARY", "account_number": "8809090909" } }, "account_id": "1b095dbd-7d4b-46d5-8807-1d636482e48a", "type": "ACH", "id": "8c2f8977-fddb-41d9-90e1-6c6e8c5634ec", "created_at": "2026-03-10T17:09:36.16Z", "updated_at": "2026-03-10T17:09:36.16Z", "sender": { "participant": { "identification_number": "890203088" }, "owner": { "type": "BUSINESS", "identification_type": "NIT", "identification_number": "123450016", "name": "Merchant I9TOS" }, "account": { "account_type": "ORDINARY", "account_number": "866000018" } } }

Important

The payment status will initially be PENDING. Once the payment is processed, it will change to SETTLED.
The id shown in the response is the payment_id.
When you make an ACH Payment, it will show up in the GET Account call. The pending balance will be updated. Once the ACH payment is processed, it will lower the pending balance and update your available balance.

Common Errors and Handling

HTTP Code	Meaning	Description
400 Bad Request	Invalid data	Required fields are missing or contain invalid values.
401 Unauthorized	Invalid token	The access token has expired or is invalid.
403 Forbidden	Access denied	You do not have permission to create a payment.
500 Server Error	Server error	Unexpected error while processing the payment.

Best Practices

Verify that account_id and recipient_id correspond to valid entities.
Monitor the payment status (PENDING, SETTLED, etc.) to confirm processing.
Implement error handling in your integration to manage rejections or processing delays.

Last updated on