Funding via ACH

Note
This feature is currently in beta and subject to change. It also requires additional activation steps. To learn more about the Beta program for this feature and about activating it for your program, contact your Marqeta representative.

Use the /banktransfers endpoint to move funds between your program funding or cardholder account and an external account over the ACH Network. This kind of bank transfer is also known as ACH origination. You can create the following types of transfers:

Push funds from your program funding or cardholder account to an external account.
Pull funds from your external account into your program funding or cardholder account.

You must have an existing bank account at a US bank to fund or receive funds from your Marqeta account. To add an external program funding source account to the Marqeta platform, send a POST request to the /fundingsources/program/ach endpoint to PUSH or PULL money from or to the Program Funding Account. To add an external account holder funding source account to the Marqeta platform, send a POST request to the /fundingsources/ach endpoint to PUSH or PULL money from or to the Cardholder Account. For more information on ACH funding, see ACH Origination.

Create ACH transfer

Action: POST
Endpoint: /banktransfers/ach Create an ACH transfer that pushes funds to an external account or pulls funds into your program funding account.

Request body

Create bank transfer request model

Fields	Description
amount decimal Required	Amount to push or pull. Allowable Values: 0.01 min
currency_code string Optional	Currency of the push or pull. Allowable Values: Valid alpha-3 ISO 4217 currency code Default value: USD
funding_source_token string Required	ACH funding source token for the external account. Allowable Values: 36 char max Existing ACH funding source token.
memo string Optional	Additional text describing the ACH transfer. Allowable Values: 255 char max
standard_entry_class_code string Optional	Three-letter code identifying the type of entry. - WEB — An internet-initiated entry - PPD — Prearranged Payment and Deposit - CCD — Corporate Credit or Debit Entry Allowable Values: `WEB`, `PPD`, `CCD`
statement_descriptor string Optional	Description of the transaction, as it will appear on the receiver’s bank statement. Allowable Values: 10 char max
token string Optional	Unique identifier of the ACH transfer to retrieve. Allowable Values: 36 char max
transfer_speed string Optional	Specifies how quickly to initiate the ACH transfer. NOTE: Same-day transfers are limited to a maximum amount of $100,000. Allowable Values: `STANDARD`, `SAME_DAY`
type string Optional	Specifies whether the ACH transfer is a push (credit) or pull (debit). Allowable Values: `PUSH`, `PULL`

Sample request body

JSON

{
  "funding_source_token": "d331b4b2-cef5-49a3-9c41-75d8f4e15cfz",
  "type": "PUSH",
  "amount": 10.49,
  "transfer_speed": "STANDARD",
  "statement_descriptor": "ACHTRNSFR",
  "standard_entry_class_code": "WEB",
  "currency_code": "USD",
  "memo": "Bank transfer"
}

Response body

Fields	Description
amount decimal Returned	Amount to push or pull. Allowable Values: 0.01 min
batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
currency_code string Conditionally returned	Valid alpha-3 ISO 4217 currency code Allowable Values: Valid alpha-3 ISO 4217 currency code
funding_source_token string Returned	ACH funding source token for the external account. Allowable Values: 36 char max
last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
memo string Conditionally returned	Additional text describing the ACH transfer. Allowable Values: 99 char max
return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
standard_entry_class_code string Conditionally returned	Three-letter code identifying the type of entry. - WEB — An internet-initiated entry - PPD — Prearranged Payment and Deposit - CCD — Corporate Credit or Debit Entry Allowable Values: `WEB`, `PPD`, `CCD`
statement_descriptor string Conditionally returned	Description of the transaction, as it will appear on the receiver’s bank statement. Allowable Values: 10 char max
status string Conditionally returned	New state of the ACH transfer. Allowable Values: `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `ERROR`, `CANCELLED`
token string Conditionally returned	Unique identifier of the ACH transfer to retrieve. Allowable Values: 36 char max
transfer_speed string Conditionally returned	Specifies how quickly to initiate the ACH transfer. NOTE: Same-day transfers are limited to a maximum amount of $100,000. Allowable Values: `STANDARD`, `SAME_DAY`
transitions array of objects Conditionally returned	Array of ACH transfer transition objects. Allowable Values: Valid array of one or more `transitions` objects
transitions[].bank_transfer_token string Returned	Unique identifier of the ACH transfer being transitioned. Allowable Values: 36 char max
transitions[].batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
transitions[].channel string Returned	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
transitions[].created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
transitions[].last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
transitions[].program_reserve_token string Conditionally returned	Not currently used. Allowable Values: 36 char max
transitions[].reason string Conditionally returned	Explanation of why the transition is being made, for example “Created by POST call on API”. Returned if this information was supplied when the transition was originally created. Allowable Values: 255 char max
transitions[].return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
transitions[].return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
transitions[].status string Returned	New state of the ACH transfer. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
transitions[].token string Conditionally returned	Unique identifier of the bank transfer transition. Allowable Values: 36 char max
transitions[].transaction_jit_token string Conditionally returned	Transaction token for JIT-related ledger entries for the ACH transfer. Allowable Values: Existing JIT Funding transaction token
transitions[].transaction_token string Conditionally returned	Transaction token for non-JIT-related ledger entries for the ACH transfer. Allowable Values: Existing transaction token
type string Conditionally returned	Specifies whether the ACH transfer is a push (credit) or pull (debit). Allowable Values: `PUSH`, `PULL`

Sample response body

JSON

{
  "token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788",
  "amount": 10.49,
  "memo": "Bank transfer",
  "funding_source_token": "d331b4b2-cef5-49a3-9c41-75d8f4e15cfz",
  "type": "PUSH",
  "currency_code": "USD",
  "transfer_speed": "STANDARD",
  "statement_descriptor": "ACHTRNSFR",
  "standard_entry_class_code": "WEB",
  "status": "PENDING",
  "transitions": [
    {
      "token": "0565329e-405d-45ca-9ab4-ca0cd07eca4c",
      "bank_transfer_token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788",
      "status": "PENDING",
      "reason": "Created by `POST` call on API",
      "channel": "API",
      "created_time": "2024-03-20T18:32:32Z",
      "last_modified_time": "2024-03-20T18:32:32Z"
    }
  ],
  "created_time": "2024-03-20T18:32:32Z",
  "last_modified_time": "2024-03-20T18:32:32Z"
}

List ACH transfers

Action: GET
Endpoint: /banktransfers/ach Retrieve a list of all ACH transfers.

URL query parameters

Fields	Description
count integer Optional	Number of resources to retrieve. Allowable Values: 1-10
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: Any integer
user_token string Optional	Unique identifier of the user resource. Allowable Values: Existing user token
business_token string Optional	Unique identifier of the business resource. Allowable Values: Existing business token
funding_source_token string Optional	Unique identifier of the funding source. Allowable Values: Existing `funding_source` token
statuses string Optional	Comma-delimited list of bank transfer statuses. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
sort_by string Optional	Field on which to sort. Use any field in the resource model, or one of the system fields `lastModifiedTime` or `createdTime`. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. Allowable Values: `createdTime`, `lastModifiedTime`, or any field in the resource model Default value: `-lastModifiedTime`
expand string Optional	Returns the full funding source object when `fundingsource` is passed. Otherwise, returns the funding source token. Allowable Values: `fundingsource` or blank
funding_source_type string Optional	Funding source type to filter. Allowable Values: `USER`, `PROGRAM`

Response body

Fields	Description
count integer Conditionally returned	Number of resources retrieved. This field is returned if there are resources in your returned array. Allowable Values: 1-10
data array of objects Conditionally returned	Array of ACH transfer objects. Objects are returned as appropriate to your query. Allowable Values: Valid array of one or more ACH transfer transition objects
data[].amount decimal Returned	Amount to push or pull. Allowable Values: 0.01 min
data[].batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
data[].created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].currency_code string Conditionally returned	Valid alpha-3 ISO 4217 currency code Allowable Values: Valid alpha-3 ISO 4217 currency code
data[].funding_source_token string Returned	ACH funding source token for the external account. Allowable Values: 36 char max
data[].last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].memo string Conditionally returned	Additional text describing the ACH transfer. Allowable Values: 99 char max
data[].return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
data[].return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
data[].standard_entry_class_code string Conditionally returned	Three-letter code identifying the type of entry. - WEB — An internet-initiated entry - PPD — Prearranged Payment and Deposit - CCD — Corporate Credit or Debit Entry Allowable Values: `WEB`, `PPD`, `CCD`
data[].statement_descriptor string Conditionally returned	Description of the transaction, as it will appear on the receiver’s bank statement. Allowable Values: 10 char max
data[].status string Conditionally returned	New state of the ACH transfer. Allowable Values: `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `ERROR`, `CANCELLED`
data[].token string Conditionally returned	Unique identifier of the ACH transfer to retrieve. Allowable Values: 36 char max
data[].transfer_speed string Conditionally returned	Specifies how quickly to initiate the ACH transfer. NOTE: Same-day transfers are limited to a maximum amount of $100,000. Allowable Values: `STANDARD`, `SAME_DAY`
data[].transitions array of objects Conditionally returned	Array of ACH transfer transition objects. Allowable Values: Valid array of one or more `transitions` objects
data[].transitions[].bank_transfer_token string Returned	Unique identifier of the ACH transfer being transitioned. Allowable Values: 36 char max
data[].transitions[].batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
data[].transitions[].channel string Returned	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
data[].transitions[].created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].transitions[].last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].transitions[].program_reserve_token string Conditionally returned	Not currently used. Allowable Values: 36 char max
data[].transitions[].reason string Conditionally returned	Explanation of why the transition is being made, for example “Created by POST call on API”. Returned if this information was supplied when the transition was originally created. Allowable Values: 255 char max
data[].transitions[].return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
data[].transitions[].return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
data[].transitions[].status string Returned	New state of the ACH transfer. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
data[].transitions[].token string Conditionally returned	Unique identifier of the bank transfer transition. Allowable Values: 36 char max
data[].transitions[].transaction_jit_token string Conditionally returned	Transaction token for JIT-related ledger entries for the ACH transfer. Allowable Values: Existing JIT Funding transaction token
data[].transitions[].transaction_token string Conditionally returned	Transaction token for non-JIT-related ledger entries for the ACH transfer. Allowable Values: Existing transaction token
data[].type string Conditionally returned	Specifies whether the ACH transfer is a push (credit) or pull (debit). Allowable Values: `PUSH`, `PULL`
end_index integer Conditionally returned	Sort order index of the last resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer
is_more boolean Conditionally returned	A value of `true` indicates that more unreturned resources exist. A value of `false` indicates that no more unreturned resources exist. This field is returned if there are resources in your returned array. Allowable Values: `true`, `false`
start_index integer Conditionally returned	Sort order index of the first resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
  "data": [
    {
      "token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788",
      "amount": 10.49,
      "memo": "Bank transfer",
      "funding_source_token": "d331b4b2-cef5-49a3-9c41-75d8f4e15cfz",
      "type": "PUSH",
      "currency_code": "USD",
      "transfer_speed": "STANDARD",
      "statement_descriptor": "ACHTRNSFR",
      "standard_entry_class_code": "WEB",
      "status": "PENDING",
      "transitions": [
        {
          "token": "0565329e-405d-45ca-9ab4-ca0cd07eca4c",
          "bank_transfer_token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788",
          "status": "PENDING",
          "reason": "Created by `POST` call on API",
          "channel": "API",
          "created_time": "2024-03-20T18:32:32Z",
          "last_modified_time": "2024-03-20T18:33:32Z"
        }
      ],
      "created_time": "2024-03-20T18:32:32Z",
      "last_modified_time": "2024-03-20T18:33:32Z"
    },
    {
      "token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
      "amount": 100.11,
      "funding_source_token": "bbaefe8f-f5d0-43f6-8576-16f562d23f3f",
      "type": "PUSH",
      "currency_code": "USD",
      "transfer_speed": "STANDARD",
      "statement_descriptor": "ACHTRNSFR",
      "standard_entry_class_code": "WEB",
      "status": "PROCESSING",
      "transitions": [
        {
          "token": "1d208bf9-8439-4b35-9c43-6d5bc74995c7",
          "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
          "status": "PENDING",
          "reason": "Created by `POST` call on API",
          "channel": "API",
          "created_time": "2024-03-22T18:01:00Z",
          "last_modified_time": "2024-03-22T18:02:00Z"
        },
        {
          "token": "55f5b1ac-39f6-484d-8284-116046a2efaa",
          "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
          "status": "PROCESSING",
          "reason": "Created by `POST` call on API",
          "channel": "API",
          "created_time": "2024-03-22T18:01:17Z",
          "last_modified_time": "2024-03-22T18:01:27Z"
        }
      ]
    }
  ],
  "created_time": "2024-03-22T18:01:00Z",
  "last_modified_time": "2024-03-22T18:02:17Z"
}

Perform faster funds ACH transfer

Action: POST
Endpoint: /banktransfers/ach/earlyfunds Use this endpoint to post funds from an existing bank transfer more quickly to the cardholder’s account.

Request body

Fields	Description
bank_transfer_token string Required	Unique identifier of the ACH transfer whose funds you want to post more quickly to the cardholder’s account. Allowable Values: 36 char max Existing ACH transfer token

Sample request body

JSON

{
  "bank_transfer_token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788"
}

Response body

Fields	Description
amount decimal Returned	Amount to push or pull. Allowable Values: 0.01 min
batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
currency_code string Conditionally returned	Valid alpha-3 ISO 4217 currency code Allowable Values: Valid alpha-3 ISO 4217 currency code
funding_source_token string Returned	ACH funding source token for the external account. Allowable Values: 36 char max
last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
memo string Conditionally returned	Additional text describing the ACH transfer. Allowable Values: 99 char max
return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
standard_entry_class_code string Conditionally returned	Three-letter code identifying the type of entry. - WEB — An internet-initiated entry - PPD — Prearranged Payment and Deposit - CCD — Corporate Credit or Debit Entry Allowable Values: `WEB`, `PPD`, `CCD`
statement_descriptor string Conditionally returned	Description of the transaction, as it will appear on the receiver’s bank statement. Allowable Values: 10 char max
status string Conditionally returned	New state of the ACH transfer. Allowable Values: `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `ERROR`, `CANCELLED`
token string Conditionally returned	Unique identifier of the ACH transfer to retrieve. Allowable Values: 36 char max
transfer_speed string Conditionally returned	Specifies how quickly to initiate the ACH transfer. NOTE: Same-day transfers are limited to a maximum amount of $100,000. Allowable Values: `STANDARD`, `SAME_DAY`
transitions array of objects Conditionally returned	Array of ACH transfer transition objects. Allowable Values: Valid array of one or more `transitions` objects
transitions[].bank_transfer_token string Returned	Unique identifier of the ACH transfer being transitioned. Allowable Values: 36 char max
transitions[].batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
transitions[].channel string Returned	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
transitions[].created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
transitions[].last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
transitions[].program_reserve_token string Conditionally returned	Not currently used. Allowable Values: 36 char max
transitions[].reason string Conditionally returned	Explanation of why the transition is being made, for example “Created by POST call on API”. Returned if this information was supplied when the transition was originally created. Allowable Values: 255 char max
transitions[].return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
transitions[].return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
transitions[].status string Returned	New state of the ACH transfer. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
transitions[].token string Conditionally returned	Unique identifier of the bank transfer transition. Allowable Values: 36 char max
transitions[].transaction_jit_token string Conditionally returned	Transaction token for JIT-related ledger entries for the ACH transfer. Allowable Values: Existing JIT Funding transaction token
transitions[].transaction_token string Conditionally returned	Transaction token for non-JIT-related ledger entries for the ACH transfer. Allowable Values: Existing transaction token
type string Conditionally returned	Specifies whether the ACH transfer is a push (credit) or pull (debit). Allowable Values: `PUSH`, `PULL`

Sample response body

JSON

{
  "token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788",
  "amount": 10.49,
  "memo": "Bank transfer",
  "funding_source_token": "d331b4b2-cef5-49a3-9c41-75d8f4e15cfz",
  "type": "PULL",
  "currency_code": "USD",
  "transfer_speed": "STANDARD",
  "statement_descriptor": "ACHTRNSFR",
  "standard_entry_class_code": "WEB",
  "status": "PENDING",
  "transitions": [
    {
      "token": "0565329e-405d-45ca-9ab4-ca0cd07eca4c",
      "bank_transfer_token": "cf3b49d8-bd68-4fb1-8da5-c170cff3d788",
      "status": "PENDING",
      "reason": "Created by POST call on API",
      "channel": "API",
      "created_time": "2024-03-20T18:32:32Z",
      "last_modified_time": "2024-03-20T18:32:32Z"
    }
  ],
  "created_time": "2024-03-20T18:32:32Z",
  "last_modified_time": "2024-03-20T18:32:32Z"
}

Retrieve ACH transfer

Action: GET
Endpoint: /banktransfers/ach/{token} Retrieve a specific ACH transfer.

URL path parameters

Fields	Description
token string Required	Unique identifier of the bank transfer. Allowable Values: Existing bank transfer token

Response body

Fields	Description
amount decimal Returned	Amount to push or pull. Allowable Values: 0.01 min
batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
currency_code string Conditionally returned	Valid alpha-3 ISO 4217 currency code Allowable Values: Valid alpha-3 ISO 4217 currency code
funding_source_token string Returned	ACH funding source token for the external account. Allowable Values: 36 char max
last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
memo string Conditionally returned	Additional text describing the ACH transfer. Allowable Values: 99 char max
return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
standard_entry_class_code string Conditionally returned	Three-letter code identifying the type of entry. - WEB — An internet-initiated entry - PPD — Prearranged Payment and Deposit - CCD — Corporate Credit or Debit Entry Allowable Values: `WEB`, `PPD`, `CCD`
statement_descriptor string Conditionally returned	Description of the transaction, as it will appear on the receiver’s bank statement. Allowable Values: 10 char max
status string Conditionally returned	New state of the ACH transfer. Allowable Values: `INITIATED`, `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `ERROR`, `CANCELLED`
token string Conditionally returned	Unique identifier of the ACH transfer to retrieve. Allowable Values: 36 char max
transfer_speed string Conditionally returned	Specifies how quickly to initiate the ACH transfer. NOTE: Same-day transfers are limited to a maximum amount of $100,000. Allowable Values: `STANDARD`, `SAME_DAY`
transitions array of objects Conditionally returned	Array of ACH transfer transition objects. Allowable Values: Valid array of one or more `transitions` objects
transitions[].bank_transfer_token string Returned	Unique identifier of the ACH transfer being transitioned. Allowable Values: 36 char max
transitions[].batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
transitions[].channel string Returned	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
transitions[].created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
transitions[].last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
transitions[].program_reserve_token string Conditionally returned	Not currently used. Allowable Values: 36 char max
transitions[].reason string Conditionally returned	Explanation of why the transition is being made, for example “Created by POST call on API”. Returned if this information was supplied when the transition was originally created. Allowable Values: 255 char max
transitions[].return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
transitions[].return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
transitions[].status string Returned	New state of the ACH transfer. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
transitions[].token string Conditionally returned	Unique identifier of the bank transfer transition. Allowable Values: 36 char max
transitions[].transaction_jit_token string Conditionally returned	Transaction token for JIT-related ledger entries for the ACH transfer. Allowable Values: Existing JIT Funding transaction token
transitions[].transaction_token string Conditionally returned	Transaction token for non-JIT-related ledger entries for the ACH transfer. Allowable Values: Existing transaction token
type string Conditionally returned	Specifies whether the ACH transfer is a push (credit) or pull (debit). Allowable Values: `PUSH`, `PULL`

Sample response body

JSON

{
  "token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
  "amount": 100.11,
  "funding_source_token": "bbaefe8f-f5d0-43f6-8576-16f562d23f3f",
  "type": "PUSH",
  "currency_code": "USD",
  "transfer_speed": "STANDARD",
  "statement_descriptor": "ACHTRNSFR",
  "standard_entry_class_code": "WEB",
  "status": "PROCESSING",
  "transitions": [
    {
      "token": "1d208bf9-8439-4b35-9c43-6d5bc74995c7",
      "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
      "status": "PENDING",
      "reason": "Created by `POST` call on API",
      "channel": "API",
      "created_time": "2024-03-22T18:01:00Z",
      "last_modified_time": "2024-03-22T18:01:00Z"
    },
    {
      "token": "55f5b1ac-39f6-484d-8284-116046a2efaa",
      "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
      "status": "PROCESSING",
      "reason": "Created by `POST` call on API",
      "channel": "API",
      "created_time": "2024-03-22T18:01:17Z",
      "last_modified_time": "2024-03-22T18:01:17Z"
    }
  ],
  "created_time": "2024-03-22T18:01:00Z",
  "last_modified_time": "2024-03-22T18:01:17Z"
}

Create ACH transfer transition

Action: POST
Endpoint: /banktransfers/ach/transitions Create an ACH transfer transition that updates the status of an ACH transfer. Each ACH transfer has a lifecycle of statuses, as shown in the following diagram:

Note
You can create ACH transfer transitions in the sandbox environment. However, Marqeta transitions ACH transfers through their lifecycle in the production environment.

Request body

Create bank transfer transition request model

Fields	Description
bank_transfer_token string Required	Token of the ACH transfer you want to transition. Allowable Values: 36 char max Existing ACH transfer token
batch_number string Optional	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
channel string Required	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
program_reserve_token string Optional	Not currently used. Allowable Values: 36 char max Existing program reserve token
reason string Optional	Description of why the ACH transfer status was updated. Allowable Values: 255 char max
return_code string Optional	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85` NOTE\|OPEN\|\| CALLOUTTITLE:Note\|TITLEBREAK\|If the transition is to the `RETURNED` state, a `return_code` should be supplied to indicate why the transaction is `RETURNED` . NOTE\|CLOSE
status string Required	New state of the ACH transfer. NOTE: In production environments, the only value to which you are allowed to transition an ACH transfer is `CANCELLED`. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
token string Optional	Unique identifier of the bank transfer transition request. Allowable Values: 36 char max

Sample request body

JSON

{
  "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
  "status": "CANCELLED",
  "channel": "API"
}

Response body

Fields	Description
bank_transfer_token string Returned	Unique identifier of the ACH transfer being transitioned. Allowable Values: 36 char max
batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
channel string Returned	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
program_reserve_token string Conditionally returned	Not currently used. Allowable Values: 36 char max
reason string Conditionally returned	Explanation of why the transition is being made, for example “Created by POST call on API”. Returned if this information was supplied when the transition was originally created. Allowable Values: 255 char max
return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
status string Returned	New state of the ACH transfer. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
token string Conditionally returned	Unique identifier of the bank transfer transition. Allowable Values: 36 char max
transaction_jit_token string Conditionally returned	Transaction token for JIT-related ledger entries for the ACH transfer. Allowable Values: Existing JIT Funding transaction token
transaction_token string Conditionally returned	Transaction token for non-JIT-related ledger entries for the ACH transfer. Allowable Values: Existing transaction token

Sample response body

JSON

{
  "token": "55f5b1ac-39f6-484d-8284-116046a2efaa",
  "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
  "status": "CANCELLED",
  "channel": "API",
  "created_time": "2024-03-22T18:01:17Z",
  "last_modified_time": "2024-03-22T18:01:17Z"
}

List ACH transfer transitions

Action: GET
Endpoint: /banktransfers/ach/transitions Retrieve a list of all ACH transfer transitions for a given ACH transfer.

URL query parameters

Fields	Description
count integer Optional	Number of bank transfer transitions to retrieve. Allowable Values: 50 max 1-10
token string Optional	Unique identifier of the bank transfer transition. Allowable Values: Existing bank transfer transition token
bank_transfer_token string Optional	Unique identifier of the bank transfer. Allowable Values: Existing bank transfer token
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: Any integer
sort_by string Optional	Field on which to sort. Use any field in the resource model, or one of the system fields `lastModifiedTime` or `createdTime`. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. Allowable Values: `createdTime`, `lastModifiedTime`, or any field in the resource model Default value: `-lastModifiedTime`
statuses string Optional	Comma-delimited list of bank transfer states to display. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`

Response body

Fields	Description
count integer Conditionally returned	Number of resources retrieved. This field is returned if there are resources in your returned array. Allowable Values: 1-10
data array of objects Conditionally returned	Array of ACH transfer transition objects. This field is returned if there are resources in your returned array. Allowable Values: A valid array of one or more ACH transfer transition objects
data[].bank_transfer_token string Returned	Unique identifier of the ACH transfer being transitioned. Allowable Values: 36 char max
data[].batch_number string Conditionally returned	Field required in older versions of the API, but no longer used. Allowable Values: Any integer
data[].channel string Returned	Mechanism by which the transaction was initiated. Allowable Values: `API`, `SYSTEM`
data[].created_time datetime Conditionally returned	Date and time when the ACH transfer was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].last_modified_time datetime Conditionally returned	Date and time when the ACH transfer was last modified. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].program_reserve_token string Conditionally returned	Not currently used. Allowable Values: 36 char max
data[].reason string Conditionally returned	Explanation of why the transition is being made, for example “Created by POST call on API”. Returned if this information was supplied when the transition was originally created. Allowable Values: 255 char max
data[].return_code string Conditionally returned	Standardized ACH return code for a returned transaction, generally sent by the RDFI. Transactions can be returned for any of the reasons listed in the NACHA ACH return codes table of the ACH Origination Guide. Allowable Values: `R01`, `R02`, `R03`, `R04`, `R05`, `R06`, `R07`, `R08`, `R09`, `R10`, `R11`, `R12`, `R13`, `R14`, `R15`, `R16`, `R17`, `R18`, `R19`, `R20`, `R21`, `R22`, `R23`, `R24`, `R25`, `R26`, `R27`, `R28`, `R29`, `R30`, `R31`, `R32`, `R33`, `R34`, `R35`, `R37`, `R38`, `R39`, `R40`, `R41`, `R42`, `R43`, `R44`, `R45`, `R46`, `R47`, `R50`, `R51`, `R52`, `R53`, `R61`, `R67`, `R68`, `R69`, `R70`, `R71`, `R72`, `R73`, `R74`, `R75`, `R76`, `R80`, `R81`, `R82`, `R83`, `R84`, `R85`
data[].return_reason string Conditionally returned	Human-readable description correlating to the `return_code`, such as `Insufficient funds`, if a return code is present in the response. Allowable Values: 255 char max
data[].status string Returned	New state of the ACH transfer. Allowable Values: `PENDING`, `PROCESSING`, `SUBMITTED`, `RETURNED`, `COMPLETED`, `CANCELLED`
data[].token string Conditionally returned	Unique identifier of the bank transfer transition. Allowable Values: 36 char max
data[].transaction_jit_token string Conditionally returned	Transaction token for JIT-related ledger entries for the ACH transfer. Allowable Values: Existing JIT Funding transaction token
data[].transaction_token string Conditionally returned	Transaction token for non-JIT-related ledger entries for the ACH transfer. Allowable Values: Existing transaction token
end_index integer Conditionally returned	Sort order index of the last resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer
is_more boolean Conditionally returned	A value of `true` indicates that more unreturned resources exist. A value of `false` indicates that no more unreturned resources exist. This field is returned if there are resources in your returned array. Allowable Values: `true`, `false`
start_index integer Conditionally returned	Sort order index of the first resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
  "data": [
    {
      "token": "1d208bf9-8439-4b35-9c43-6d5bc74995c7",
      "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
      "status": "PENDING",
      "reason": "Created by `POST` call on API",
      "channel": "API",
      "created_time": "2024-03-22T18:01:00Z",
      "last_modified_time": "2024-03-22T18:01:00Z"
    },
    {
      "token": "55f5b1ac-39f6-484d-8284-116046a2efaa",
      "bank_transfer_token": "f8b8245f-fc36-49f3-9f9f-f63b159501b7",
      "status": "PROCESSING",
      "reason": "Created by `POST` call on API",
      "channel": "API",
      "created_time": "2024-03-22T18:01:17Z",
      "last_modified_time": "2024-03-22T18:01:17Z"
    }
  ]
}

Core API Basics

SDKs

Credentials

Account Holders

Funding

Just-in-Time Funding

Cards

Digital Wallets

Spend Control

Accounts

Transactions

3D Secure

Real-Time Decisioning

Disputes

Digital Banking

Credit Programs

Credit Account Management

Credit Account Servicing

Credit Reward Accounts

Testing

Webhooks

​Create ACH transfer

​Request body

​Sample request body

​Response body

​Sample response body

​List ACH transfers

​URL query parameters

​Response body

​Sample response body

​Perform faster funds ACH transfer

​Request body

​Sample request body

​Response body

​Sample response body

​Retrieve ACH transfer

​URL path parameters

​Response body

​Sample response body

​Create ACH transfer transition

​Request body

​Sample request body

​Response body

​Sample response body

​List ACH transfer transitions

​URL query parameters

​Response body

​Sample response body

Create ACH transfer

Request body

Sample request body

Response body

Sample response body

List ACH transfers

URL query parameters

Response body

Sample response body

Perform faster funds ACH transfer

Request body

Sample request body

Response body

Sample response body

Retrieve ACH transfer

URL path parameters

Response body

Sample response body

Create ACH transfer transition

Request body

Sample request body

Response body

Sample response body

List ACH transfer transitions

URL query parameters

Response body

Sample response body