What is an ACH Transfer API, anyway? Quite simply, it’s an API that provides the ability for a software application to integrate ACH processing capabilities for the purpose of providing the application to originate, manage and report on the transfer of funds between bank accounts.
If your organization needs an ACH transfer API, chances are pretty good that the software application that you would be integrating to either has the substantial existing volume or it’s an application that other organizations use or will use that require the ability to transfer funds, whether they be debits or credits, for the user base.
Now, let’s get to some of the potential requirements that might be needed from the ACH API provider. Not all ACH transfer API’s are the same.
Moreover, not all providers have the same business model. Here are a few things to ponder:
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