ACH Operations B2B RDFI 
Stax
JUNE 23, 2025
Your bank (the ODFI) will collect all the transaction files you sent and forward them to an ACH operator. The operator will send the files to the recipient’s bank, which is called the RDFI (Receiving Depository Financial Institution). You will know if the RDFI has pulled the funds when you receive your payment.
Stax
APRIL 23, 2024
Many small businesses choose ACH operators because they are more convenient than most direct deposits. ACH transfers don’t come with high fees and transactions and they’re easily edited if an employer wants to adjust payroll, extend bonuses, or reimburse an employee.
Payment Savvy
FEBRUARY 23, 2023
Originating Depository Financial Institution (ODFI) The ODFI receives the request from the Originator and passes it to the ACH Operator. ACH Operator The ACH Operator links the two accounts by processing transactions (e.g., It receives the ACH entry and submits it to the Receiver.
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