What Is an ACH API and How Does It Work?
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.
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