ACH Network Authorization ODFI 
Stax
JUNE 23, 2025
TL;DR An ACH API allows businesses to automate bank-to-bank payments—like ACH debits, credits, and recurring payments—by integrating directly with the ACH network via software. What is an ACH API? Your bank (the ODFI) will collect all the transaction files you sent and forward them to an ACH operator.
Finextra
JULY 14, 2025
In March 2025, the White House issued a mandate requiring that, by the end of fiscal year 2025, nearly all federal government payments—including tax refunds—must transition from paper checks to electronic channels, primarily through the Automated Clearing House (ACH) network. As ACH becomes the final frontier in U.S.
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Stax
APRIL 23, 2024
ACH payments are a convenient way for business owners, individuals, and employers to use intuitive automated banking throughout their daily lives. Most small business owners and employers are turning to ACH payments instead paper check payments because of the ease and instant access the ACH network provides.
EBizCharge
JULY 16, 2024
This article will explore the essential aspects of staying compliant with NACHA rules, such as risk management, data security, authorization protocols, and more, to help institutions maintain the highest standards of operational integrity and customer trust. What is NACHA?
Stax
JUNE 27, 2024
ODFI submits ACH file – The originator’s bank or payment processor, also known as the originating depository financial institution (ODFI) submits the ACH entry containing the payment details. Your bank sends the ACH files with the payment details based on the ACH instructions to the utility company (merchant).
EBizCharge
OCTOBER 17, 2023
This article will explore the processes involved in ACH payments, explaining how to distinguish returns vs. reversals and answering common questions such as what is an ACH return and can you reverse an ACH payment? What is ACH? ACH transfers refer to the electronic transfer of funds between banks through the ACH network.
PYMNTS
SEPTEMBER 9, 2016
Of the 420-plus customers, Rojas said about 140 are currently using one of the company’s two ACH products, dubbed ACH-ODFI and ACH-RDFI. ODFI focuses on the origination of transactions, while RDFI concentrates on receiving transactions. A total of 17,642 reports of BEC were reported to authorities between Oct.
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