Using foreUP, golf courses provide their customers with an easier way to book a tee time, order food and drinks and choose ACH as a payment method. Payment links reduce friction by making it easy to make a payment. Integrations. Trusted by businesses that . ACH (Automated Clearing House) is a payment processing network that’s used to send money electronically between banks in the United States. ACHeck21 helps our customers facilitate the movement of money between people, businesses, and banks. The ACH REST API Developer guide is a comprehensive instruction set for integrating new or legacy systems into the ACHWorks platform. The ACH REST API Developer guide is a comprehensive instruction set for integrating new or legacy systems into the ACHWorks platform. Overview. Our ACH and Real-time payment services provide a secure and convenient way to pay your vendors – and your employees – through Direct Deposit. The Cross River ACH API set allows you to both originate and receive payments through the Federal Reserve ACH network. Introducing DocuSign Payment via PayPal. Tuesday: funds show up at the other bank on Wednesday. Jul 28, 2018. eCheck. I would like to use the API to pull in the default payment method of the vendor, ACH or Check. The ACH API works by reducing the need for manual payment requests amid transactions running through the ACH network. Agile Payments was engaged to provide a strategic overview of both our current processes and partnership agreements as well as providing insight into how Payment Facilitation could better serve both our end customer and Vermont Systems needs. You can only accept funds in USD and only from US bank. The account type helps to specify if this is a checking or savings account. Each server has an url and an optional Markdown-formatted description . The CardPointe Gateway API allows you to securely accept a wide-range of credit, debit, and alternative payments. 4. pet import Pet. account type. , 100 cents to charge $1. We would like to show you a description here but the site won’t allow us. Zoho Invoice: Best Free Invoice Software. Developer Friendly Straightforward API code, dashboards, SDKs, documentation, and best-in-class financial technology. Submitting the payment to Stripe for processing. Wednesday 4 p. 🥳 We’re giving away FREE data services! There is no catch — just our way of saying thanks. Using a bank API to make ACH payments is also sometimes referred to as an ACH API. ACHeck21 providers robust, cloud-based Fintech, including applications for ACH, Check 21, & remote deposit capture. Please be mindful that these are target cut-off times for transfer processing. com, users can easily create,. Positive pay: Administer complete ownership of the user experience. It creates custom connections between the bank, business, and client. LEARN MORE. A smooth integration allows you to send your Plaid tokens to our ACH API for payment processing. Taking an ACH bank transfer payment is a two-step process: Generate a payment token - When a buyer chooses ACH bank transfer as the payment method, the Web Payments SDK renders a Plaid UI to let the buyer provide bank account verification. ”. Learn more. In this blog post, we are going to discuss the “Receive money from your users“. For applications having a recurring or subscription payments component, an ACH Payment. This is the default with Web Components v5. See moreACH API. We would like to show you a description here but the site won’t allow us. - GitHub - moov-io/ach: ACH implements a reader, writer, and validator for Automated Clearing House (ACH) files. Today, almost half of their total reimbursements are issued via an electronic ACH payment. However, TPPPs have a lot more freedom when determining rates. Net. However, daily limits are not mandatory for ACH Out. The API Dev Portal provides comprehensive documentation for use by API developers. Historically, credit unions have. ACH. 1 Business Day Is How Many Days / Ach Processing Times Dwolla Api Documentation / Jan 15, 2012 · depending on the business, a standard business day in the united states occurs typically between the hours of 8 or 9 am to 5 pm, generally with a 30 minute or 1 hour lunch. 80%, capped at $5, with no monthly fees or verification fees. ACH Notification of Change (NOC) ACH Payment Returns. Web page 87 ach550 user's manual user set 1 must be first saved using parameter 9902 applic and then uploaded to the control panel before macro downloading is possible. Zip offers 0% interest and doesn’t report purchases or payment history to the credit bureaus. ACH API: Bridging the Gap Between Developers and Financial Institutions ACH APIs are transforming the relationship between developers and financial institutions. API authentication and authorization in API Management involve securing the end-to-end communication of client apps to the API Management gateway and through to backend APIs. To get started with the CardPointe Gateway API, review the Integration Process Overview for helpful information for testing and integrating the API. It can take up to 4 business days to receive acknowledgement of success or failure. As we discussed above, ACH payments are electronic payments that enable companies and individuals to send and receive payments directly from their bank accounts. 7. Plaid enabled Shift to offer a fully integrated online purchasing experience. ACH APIs are transforming the relationship between developers and financial institutions. Automate accounting and reconciliation of ACH payments. If you’re looking for a full-stack solution to sending ACH payments and more, you may want to. ACH payments allow banks (or payment service. The Payment Methods API allows you to accept a variety of payment methods through a single API. bank account number. ACH Debit. If this is the case, then why do we need to. What Is an ACH API? To best understand what an ACH API is, you first need to grasp the basics of how ACH payments work. Funds processing timelines for the Sila money transfer API look like this: /Redeem_sila endpoint (all times are Pacific Standard US), ACH Credit requests received by 5:45 pm on: Monday: funds show up at the other bank on Tuesday. Square APIs let you take payments securely, integrate your application with Square first-party products, and do so much more. By embedding the Dwolla API within their platform, Tippy initiates Next Day ACH and Same Day ACH transfers so stylists can have their tips sent directly to a bank account. With a robust, secure API like the one offered by Sila, developers now have the ability to quickly and easily build financial applications and services. With a robust, secure API like the one offered by Sila, developers now have the ability to quickly and easily build financial applications and services. The Importance of an ACH API. Integrating ACH Payments API allows you: Flexibility to originate requests within your workflow at any time With no batch requirements, enjoy the potential to leverage earlier processing deadlines Do all apps and companies have to use the secure API to connect to my accounts? Yes, the secure API now is the only permitted way for apps and companies to connect to Chase customer accounts. Sila’s AML compliance solutions can be used by financial institutions, cryptocurrency companies, peer-to-peer lenders, and payment service providers. Previous Day. 00 per Same Day ACH transaction. Use our API to integrate with our trusted B2B payments platform. • Card Payments and EFT Switch, White Label ATM Management and Cash in Transit. Improve your cash flow and handle your business payables efficiently with electronic payments from Chase. An ACH transfer is an electronic transfer of funds from one bank account to another over the ACH (Automated Clearing House) network. <br><br>Recent Learnings: - Completed<br>1. These APIs make it possible to initiate,. You can use the Stripe API in test mode, which doesn't affect your live data or interact with the banking networks. With a robust, secure API like the one offered by Sila, developers now have the ability to quickly and easily build financial applications and services. The /processor/auth/get endpoint returns the bank account and bank identification number (such as the routing number, for US accounts), for a checking or savings account that''s associated with a given processor_token. You don't have to be a programmer or designer. Get Started. Net uses the createTransactionRequest API call, with bank routing and account numbers replacing. m. Pet parents can get a quote from the website for their dog or cat and, once approved, submit a claim and receive a reimbursement via ACH directly to their bank account. Our Application Programming Interface (API) lets you share specific account information from only the accounts that you choose. The developer guide includes descriptions and sample code for all methods and extensive data definitions. Enroll once, and choose from any 3. Efficient, easy to use, and designed with your security in mind, learn more here!Here are other ways to prevent ACH fraud: Set up an ACH debit block, which auto-returns ACH debits and/or credits directed at a specific bank account. We’ve partnered with banks to enable ACH and wire transfers, FDIC pass-through, insurance-eligible accounts*, and faster access to payments funds**, all within your platform. The API acts as a bridge between a business’s application and the ACH Network, allowing for seamless communication between the two systems. For this release, we have PayWithMyBank (PWMB) as the available Account Validation Partner (AVP) for this service. An incoming ACH debit or credit from another bank (such as a direct deposit). With the capabilities of Automated Clearing House (ACH) money transfers, automated bill pay, savings accounts, and more, Sila can enable these financial features due to its firm connectivity within the U. For clients with a consolidated settlement, you will only receive collected and returned. S. An ACH payment API, such as Sila’s API which can allow developers to create a payment API that facilitates ACH transfers using cryptocurrency, is also a secure solution for ACH processing. National Automated Clearing House. Similarly, different ACH companies have varying offerings with regards to integration requirements, pricing,. S. In a nutshell, this API code includes all the protocols and routines needed to securely handle online payments. net API provides robust features for processing payment transactions through the Authorize. Tuesday morning. ACH API Providers are organizations that provide an API for the purpose of integrating a software application to originate and manage ACH transactions. Discover how blockchain, cloud computing, and AI are shaping the future of financial management. This also does not signify that a. To begin building your API integration, create an account for a Cardknox sandbox. Zoho Invoice is a lightweight, cloud-based invoicing app that is still powerful enough for most small businesses. Zip (Quadpay): Best Buy Now Pay Later for Starters. Select which endpoint you're integrating: /sessions /payments. In addition to decreasing payment processing fees, businesses that move to electronic payments save on average, around $7 per physically issued check. ACH API is a way to automate payments over the ACH network using software. Upgrade to UAT environment for end to end real time testing , post your NDA with us. This includes everything from person-to-person transfers and bill payments to direct deposits. An API, or application program interface, uses specialty code specifically designed to handle a request like payment processing. The transaction start date and end date (TransactionDateTime) is used to pull data with a rolling 14 calendar day. As the financial industry continues to embrace digital innovation, ACH APIs are poised to play an increasingly vital role in. With a robust, secure API like the one offered by Sila, developers now have the ability to quickly and easily build financial applications and services. string. The ACH Network is an electronic Network of financial institutions in the United States used for electronic payments and money transfers. ACH API: Bridging the Gap Between Developers and Financial Institutions ACH APIs are transforming the relationship between developers and financial institutions. ACH implements a reader, writer, and validator for Automated Clearing House (ACH) files. View sample code and API field descriptions. As Christian puts it, "We all text, and compared to alternatives like email or snail mail, we know that we read most (if not all) of our text messages. Access Premium Financial Features, . Stripe Ach Limits. For more information, see the PayPal Checkout Overview. net's electronic check (echeck) solution, which lets customers with US bank accounts use Automated Clearing House (ACH) transactions as a payment option. An ACH API offers developers and SaaS platforms the ability to debit and credit bank accounts using the ACH network programmatically via an Application Program Interface. eCheck. The ACH Originations API enables partner applications to securely originate domestic ACH payment (credit) or collection (debit) requests. Sample code on [GitHub] Sample codes published on GitHub for each REST API in 6 popular languages. Unlike with credit cards, cross border payments are not available. Dwolla provides businesses with a flexible payment API that supports multiple account-to-account payment methods, including real-time payments and ACH (Automated Clearing House) transfers. To protect your financial and personal information, banks utilize advanced fraud detection tools and strict security policies. The Twitch API uses OAuth 2. Education. The Payment Methods API allows you to accept a variety of payment methods through a single API. The world of automated ACH payments offers a wealth of benefits, and an ACH API is the bridge that connects businesses to the ACH Network for automated transactions. Team API -> “In one day, I used Brex’s payment API to automate 100s of payments a week, saving me 20 hours a month and dramatically reducing errors. Learn more. I can't say enough about how collaborative and supportive they are, and how smoothly our implementation went under their direction. To simplify payment processing, you can use an ACH payment API such as Sila, which will allow you to process payments without the hassle of starting or maintaining your own merchant account. How BAI2 Works: A Technical Overview. Bank account verification allows merchants to mitigate check acceptance risk at the point of sale, in person or online, and options range from automated routing number check to near real-time examinations. We would like to show you a description here but the site won’t allow us. By integrating a white labeled solution, the payments experience on the marketplace app remains GetMyBoat branded. Both requests and responses rely on JSON-encoded formats while leveraging enhanced filtering capabilities that offer you greater flexibility so that you can do more with one call. ACH APIs enable companies with high transaction volumes to write software that automates payments over the ACH network. A smart contract is a secure electronic transaction protocol intended to digitally facilitate, verify, or enforce the negotiation or performance of a contract. Grow, manage, or evolve your financial app with real-time analytics, transactions, users, and much more 24/7. While there are still some organizations who utilize older technologies for originating ACH transactions like ftp file upload and NACHA file submission, many times it becomes advantageous for. ACH Return Codes. Grow, manage, or evolve your financial app with real-time analytics, transactions, users, and much more 24/7. Gift & Loyalty Since there are many ACH API providers out there, picking the right one for your business can be difficult. The HTTP server is available in a Docker image and the Go package is. Onboard Brex users and issue virtual cards with custom limits from anywhere, whether your CLI or spreadsheets, using our team API. Here is how a typical ACH transaction is processed from the perspective of you paying your Gym monthly membership via ACH: On the first of each month, your fitness club tells his biller (the Originator-many times a Third Party Processor or an integrated software partner) to send a request to your bank to transfer $50 from your bank account to the fitness. This API ensures target accounts are valid and payments are posted as desired. Does Stripe Charge For Ach Payments? Payments made through Stripe are subject to an. FedACH. Here’s why Sila may be right for you: How Sila’s ACH API workswebhooks. Normally, micro-deposits are only a few cents at a time, so the. By using an ACH API for their payments, Tippy can get stylists their earned income on the same day they perform. Use sub-ledgers with unique, fully routable account numbers to achieve an enhanced level of granularity for your customers. AI and machine learning are enhancing KYC processes through ongoing monitoring and re-KYC. ACH (Automated Clearing House) transactions are. Learn the benefits, drawbacks, and alternatives of using an ACH API for your business. This API, based on the Afinis Account Validation API, enables a Phixius participant to confirm the status of an account prior to originating an ACH Transaction. Tuesday: funds show up at the other bank on Wednesday. API reference. Here’s how ACH payments work: These electronic transactions allow business owners or their customers to debit funds directly from their respective bank accounts instead of processing a transaction. “The Sila platform, API documentation and ACH infrastructure are incredibly robust and cost-effective. Sample code on [GitHub] Sample codes published on GitHub for each REST API in popular languagesper ACH bank transfer. The onboarding was easy and we were up in running much faster than. A “customer-initiated” score predicts the likelihood of returns initiated by users. This platform allows all federally insured US depository institutions to use it to deliver faster, safer payments in the US. The Silicon Valley Bank (SVB) and Plaid integration helps reduce risk, administrative work and costs of processing payments. By integrating payment processes into their operations. The name has become almost synonymous with EFT because ACH is used so widely. See Test merchant IDs & API tokens for more information. Get Started. We would like to show you a description here but the site won’t allow us. An Originating Depository Financial Institution (ODFI) is a bank or credit union that initiates electronic payments on behalf of their customers to transfer funds to other financial institutions. That means we’re your guide to every step of the financial data process. Common uses of ACH bank transfers include: Payroll. Solution 2: Before importing the package, adjust the maximum recursion limit as shown below:A Single ACH API That Comes Fully Loaded. Listed below are the current supported payment products: ACH Payment Credit ACH Payment Debit At this moment, the Payment Initiation API supports only ACH transactions, and the APIStart your fintech app with iACH through our free Sila developer console. Accept ACH Direct Debit payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page. default_api import DefaultApi. . An ACH API provides a set of tools that allow developers to integrate ACH functionality directly into their applications. Sila’s flexible payments platform offers a developer-friendly API that helps you improve speed and reduce the costs to move money. 88. Net is Authorize. On-screen editing for immediate re-validation. API documentation. Independent software vendors (ISVs) are at the epicenter of the payments industry, providing point-of-sale solutions in a wide range of applications to. Working with a third-party service provider can be an excellent way to keep the business running smoothly and automate processes such as bank. Second, the limit may also be affected by the number of Stripe accounts the account holder has. When the capture should be performed. Bank of America’s Automated Clearing House (ACH) is an electronic payment delivery system that allows you to pay or collect funds electronically through the ACH network. customers to send funds from their bank account to a U. While the main objective of an ACH API is to link a business to the ACH network, processing companies provide additional features, such as various payment options, tokenization, establishment of recurring payments, and more. These are all done with Sila's ACH API and Instant ACH to accept ACH payments instantly. NET libraries. ACH APIs enable a streamlined payments experience by allowing businesses to automate their manual and repetitive payments processes, including data entry and verification. These payments are made through ACH, the network that NACHA has developed for use by all the players in the payments industry. ”Instantly authenticate your customer’s accounts to use with Bakkt Fiat Services API for ACH based money movement: Bond: Instantly authenticate your customers’ bank accounts for use with Bond’s ACH Transfers API: Check: Check lets you embed payroll in your product and easily configure and authenticate direct deposit payments: CheckbookThe Benefits of Canada EFT (2023) When it comes to managing Canadian ACH, Canada EFT (or Canadian Electronic Funds Transfer) is a convenient and cost-effective solution. By automating parts of these critical compliance functions, AI allows financial institutions to improve security, reduce risk, increase efficiency, and improve the customer experience. With smart security technology, a customized alarm system allows you to arm or disarm your system remotely, remotely view security. per successful card charge. ACHWorks supports multiple API Integration options suited to the largest or smallest payment volume. ACH APIs are transforming the relationship between developers and financial institutions. For example, your application can initiate a debit or credit transfer with Same Day clearing prior to 3 PM Central Time and funds will be. Banking APIs are changing the way that people interact with their money. ACH Credit. Improve cash flow and the reconciliation process with a virtual account. Verifying your customer’s bank account. Writing API functional payload specification, Mapping translation specification, detailed processing steps, verification and validation checks, Business rules Query resolution and BA support to development and Test team, review test coverage, feedback on defect prioritization, review technical design Domain/Functional and Technical Skills:We would like to show you a description here but the site won’t allow us. The 7 Best ACH Processing Companies. Let’s be clear: If you’re just looking for a quick way to accept ACH payments, you probably don’t need to mess around with an API. What Is an ACH API? To best understand what an ACH API is, you first need to grasp the basics of how ACH payments work. Nearly everyone involved in the online transfer of funds, whether that is for purchasing an item or sending money to friends, actually interacts with an ACH API on a regular basis. To issue, transfer, and redeem the Instant ACH API, the call must occur before the 9:20 am PST cutoff. A positive integer representing how much to charge in the smallest currency unit (e. A reference to be applied to the transaction for the capture operation. However, if the transaction is not submitted by 9:30 am PST, it may be delayed by a business day. Enhanced solutions have been developed to create a reliable ACH debit transaction process. You can also access instant ACH, U. We work with hundreds of software developers who utilize our payment API every day for their ACH and eCheck processing needs. Do more with Terminal API: Customize the checkout experience with the newest features. Automated Clearing House (ACH), often referred to as eCheck, allows your customers to pay by transferring funds directly from their bank account. Dwolla provides businesses with a flexible payment API that supports multiple account-to-account payment methods, including real-time payments and ACH (Automated Clearing House) transfers. Check out the API. Easy no-setup way to test our APIs – Out of the box samples with editable body - Send requests to our sandbox and see responses. Familiarize yourself with the API documentation provided by your chosen ACH API provider. This means that […] ACH. Chase Developer supports interactive testing through the standard Swagger documentation on select APIs. The Account Validation Partner requested is specified through the ^Validation all Type _ sent to TckValidationService API. Friday 4 p. Finding the best ACH payment processing companies for your small business often comes down to selecting a reputable company that can provide both ACH and credit/debit card processing in a single package. How Does an ACH API Work? By digitilizing the ACH process and integrating it into an API, businesses can leverage the ACH API to facilitate payment transactions. model. Unlike credit card payments, ACH Direct Debit payments are not a real-time payment method. A smooth integration allows you to send your Plaid tokens to our ACH API for payment processing. ACH Notification of Change (NOC) ACH Payment Returns. With a robust, secure API like the one offered by Sila, developers now have the ability to quickly and easily build financial applications and services. This API Reference has all the detailed API endpoint information you need to build with our APIs. In this. Bank’s Data Toolbox API is especially robust. ABA routing number. Helcim: Best For Easy Scaling. Instant test results. Here’s what an ACH credit looks like when using Sila’s ACH API: Saturday: User requests an ACH credit with their bank (ODFI). Since 2013, the IRS has released data culled from millions of nonprofit tax filings. Nacha doesn’t set the fees associated with ACH payments, so the cost depends on the bank or payment processor you use. As ACH is a form of EFT, it is important to check that your potential payment platform offers an ACH API within their services, not just an EFT one. Wire Transfers. In the financial world, a third-party API simplifies connecting banks and sending payments online. The most awaited time of the year is here! Here’s a sweet Black Friday treat from Searchbug. It's the only provider I found that understood exactly what I wanted to do (which is very similar to what you're doing), and was very helpful in explaining exactly how to do it. The ACH API can be integrated into a company’s existing financial platform. g. When this flag is set equal to 1 or true the transaction will be routed through ACH verification regardless of any past verification data. These instructions explain how to add ACH Direct Debit to your existing API-only integration. Your developers will use the ACH API to write software that will connect your business to the. m. Add this topic to your repo. The data models and systems are designed to provide relevant data in an easy, consistent, and reliable way. Take Command has adapted from being a company selling individual insurance plans to becoming more than a benefits administrator; Take Command is an innovative platform helping employers and brokers navigate health reimbursement arrangements (HRA). Learn More. Payment APIs are a feature provided by a payment processing company or payment gateway, so you’ll need to subscribe to the service to access the API. Publish to the Moov ACH API; Request the completed file from the Moov ACH API; This tutorial is for people with a robust understanding of ACH file management and needs to upgrade their parser or don’t want to reinvent one from scratch. While a successful ACH API integration largely depends on the business and their requirements itself, there are a few things that cross the requirement boundaries and apply to most all ACH integration needs. ACH Payment Integration allows a SaaS companies’ users payment options. Direct API. RTP Send Payment: Create and send a real-time payment. ACH APIs function as the bridge between business and also the ACH network. With the Payment Methods API, you can combine a PaymentMethod: With a PaymentIntent to accept a payment. Collect payments from customers, partners, suppliers, and others as they DocuSign documents – with no additional programming, coding, or IT involvementAdvanced ACH Payment Processing In Canada & The US. Dwolla API is providing the full detailed documentation about the payment integration methods. net assigned identification number for a transaction. If you are new to the Authorize. API Integration: If you feel more comfortable with more advanced integration, you can connect an ACH payment API (like our Paynote API) to your website or application. The Benefits of Canada EFT (2023) When it comes to managing Canadian ACH, Canada EFT (or Canadian Electronic Funds Transfer) is a convenient and cost-effective solution. debit for ACH is determined by the direction money is moving. They allow organizations to automate the procedure of starting and managing. How ACH APIs Support Blockchain Technology. The Authorize. Price: Credit and debit cards 2. The integration method. When the capture should be performed. “The Sila platform, API documentation and ACH infrastructure are incredibly robust and cost-effective. It provides a common language for the electronic exchange of customer account information,. National Payment. Wednesday morning. servers:would like to show you a description here but the site won’t allow us. js, Go, Ruby, and . GitHubWe would like to show you a description here but the site won’t allow us. ACH REST API. Fintech startups can use the payment API to complete compliance checks like Know Your Customer or Know Your Business (KYC and KYB), secure bank accounts linking blockchain transfers, and digital wallet security for users on mobile devices and online apps. ACH Blog Nacha Leadership: Collaboration Generates ‘Confidence and Growth’ for the ACH Network April 18, 2023 View the Afinis APIs available for testing and those planned for future development. It can take 4-10 business days to fully authorize the transaction with the buyer's bank and confirm if it failed or succeeded. Connecting To the ACH Network with a Modern ACH API An Introduction Understanding the Automated Clearing House (ACH) Network is a key part of keeping up and staying ahead in an ever-evolving financial world. Developer guides. Investing in the Sila API means that you can move away from traditional payment processing, such as paying with a debit card, credit card, or wire transfer. ACH Inquiry. *Disclaimer : Access to UAT & Production environment is subject to business approvals, NDA and other agreements, and is a sole. The ACH SOAP API supports: Regular transaction status updates. When paying by ACH, money is debited directly from the customers’ bank accounts and. Access same-day ACH payments with our revolutionary API that comes with predefined recipes for your industry use case. Jason Wu, Software Engineer at Shift. Build out your ACH API in our sandbox for free. When the transaction is initiated prior. API Description; Account Validation: Verify an account and its owner. Products & Services. Extend Square Gift Cards to your app using Gift Cards API. For example, the Sila API comes with features like KYC/KYB verification, secure bank account linking through a verified and trusted third-party, FDIC-backed banking insurance, ACH verification, and the security of the API. At a 98% open rate, text is a great channel to. The reference implementation for the backend of a broker-dealer trading application with the Alpaca Broker API. With the RTP network, financial institutions can enhance their digital service offerings for both. B2B Payment Providers. Bank processes file and sends to the ACH network. With a SetupIntent and a Customer to save payment details for later. 1. The ACH debit card is a reusable, delayed payment method. An ACH Payment API enables developers to create software that facilitates payments, specifically account-to-account payments over the ACH network. transactionCode. g. eCheck. The Cardknox API enables developers to process payments using the Cardknox gateway. For ACH API carriers, delete canceled paid seat Optional Services from the Universal Record. API documentation. The business will have an online form or. Use the paymentHandleToken. Payment types: Card payments (credit and debit), bank transfers (wire and ACH) Security: PCI compliant, you won’t need to verify your business. ACH API Reference. Looking for an ACH (Automatic Clearing House) payment method. However, the thing that really sets Sila apart is their team.