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ACH Event Webhook Response

Our webhooks keep you updated in real-time about important events related to ACH payments processed through our system. By using these webhooks, you can create applications that quickly respond to changes in ACH payment statuses.

The JSON body structure of a ACH Event webhook call that you will receive, is as follows:

curl -L 'https://example-url.com/ach-payments-api/v1/{your-webhook-url}' \
-H 'Content-Type: application/json' \
-H 'Authorization: Basic PHVzZXJuYW1lPjo8cGFzc3dvcmQ+' \
-d '{
  "notificationId": "8cefee42-cb39-4479-b7fd-b8a358aeb002",
  "eventType": "ach.status",
  "eventDateTime": "2017-07-21T17:32:28Z",
  "data": {
    "achEventInfo": {
      "transactionId": "327250000173",
      "status": "INITIATED",
      "transactionType": "CREDIT",
      "standardEntryClass": "ACK",
      "transferDate": "2025-03-28",
      "traceNumber": "000000000000185",
      "preNote": true,
      "amount": "1234.50",
      "debtor": {
        "achCompanyId": "123456789",
        "achCompanyName": "ACH Company Name",
        "name": "Debtor/Creditor Name",
        "financialInstitution": "011001276",
        "account": {
          "accountType": "Deposit",
          "accountId": "100783"
        }
      },
      "creditor": {
        "achCompanyId": "123456789",
        "achCompanyName": "ACH Company Name",
        "name": "Debtor/Creditor Name",
        "financialInstitution": "011001276",
        "account": {
          "accountType": "Deposit",
          "accountId": "100783"
        }
      },
      "returnNOC": {
        "type": "NOC",
        "reasonCode": "C02",
        "reasonDescription": "Incorrect Routing Number"
      }
    }
  }
}'
URL

The your-webhook-url will be the full FDNS custom HTTP endpoint that provided during your onboarding.

The sections below describe the parameters and objects present in the request.

Header Parameters​

x-timestampstringrequired

The timestamp used to support the message signature. Should contain only numbers. Requests with timestamp > 5min will be rejected

  • Default: none
x-signaturestringrequired

Payload signature used by the API Client to validate message authenticity. Signature is calculated via HMAC SHA256 algorithm and must be composed by: HTTP_VERB + HTTP_URL + PAYLOAD + TIMESTAMP.Signature key will be provided to API Consumer

  • Default: none
  • Possible Values: >= 64 characters and <= 64 characters

Body​

notificationIdstringrequired

UUID of the generated event

  • Default: 8cefee42-cb39-4479-b7fd-b8a358aeb002
  • Possible Values: >= 36 characters and <= 36 characters
eventTypestringrequired

The webhook event type

  • Default: ach.status
  • Possible Values: [ach.status]
eventDateTimedate-timerequired

The date the event occurred

  • Default: 2017-07-21T17:32:28Z
dataobjectrequired

Contains detailed information about the ACH event.

  • Default: none
Show properties
achEventInfoobjectrequired

Information related to the ACH event.

  • Default: none
Show properties
transactionIdstringrequired

Unique identifier for the transaction.

  • Default: 327250000173
statusstringrequired

Status of the transaction.

  • Default: INITIATED
  • Possible Values: [INITIATED, PROCESSED, NOTICE_OF_CHANGE, RETURN]
transactionTypestringrequired

Type of transaction.

  • Default: CREDIT
  • Possible Values: [CREDIT, DEBIT]
standardEntryClassstringrequired

Standard Entry Class Codes. Used to identify the ACH payment type. See SEC Codes for more details and a complete list of available codes.

  • Default: ACK
transferDatedate

Date of the transfer.

  • Default: 2025-03-28
traceNumberstring

Trace number for the ACH transaction.

  • Default: 000000000000185
preNotebooleanrequired

True if transaction Pre Note must be processed via EDI only.

  • Default: true
amountstringrequired

Amount of the transaction.

  • Default: 1234.50
debtorobjectrequired

Information about the debtor.

  • Default: none
Show properties
achCompanyIdstring

Debtor's/Creditor's ACH company identifier.

  • Default: 123456789
achCompanyNamestring

Debtor's/Creditor's ACH company name.

  • Default: ACH Company Name
namestring

Debtor's/Creditor's company name.

  • Default: Debtor/Creditor Name
financialInstitutionstring

Debtor's/Creditor's financial institution routing number.

  • Default: 011001276
accountobjectrequired

Account information. See account Object for more details.

  • Default: none
Show properties
accountTypestringrequired

Type of account.

  • Default: Deposit
accountIdstringrequired

Account ID.

  • Default: 100783
creditorobjectrequired

Information about the creditor.

  • Default: none
Show properties
achCompanyIdstring

Debtor's/Creditor's ACH company identifier.

  • Default: 123456789
achCompanyNamestring

Debtor's/Creditor's ACH company name.

  • Default: ACH Company Name
namestring

Debtor's/Creditor's company name.

  • Default: Debtor/Creditor Name
financialInstitutionstring

Debtor's/Creditor's financial institution routing number.

  • Default: 011001276
accountobjectrequired

Account information.

  • Default: none
Show properties
accountTypestringrequired

Type of account.

  • Default: Deposit
accountIdstringrequired

Account ID.

  • Default: 100783
returnNOCobject

Information related to the Notification Of Change (NOC) or Return results coming back after an ACH transaction is submitted.

  • Default: none
Show properties
type[string](/)required

Type of result, whether Notification Of Change (NOC) or Return.

  • Default: NOC
  • Possible Values: [NOC, Return]
reasonCodestringrequired

Return or NOC Reason Code.

  • Default: C02
reasonDescriptionstringrequired

Return or NOC Reason Description.

  • Default: Incorrect Routing Number