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An ACH transfer starts in one of five non-final states:
  • pending_destination while an information request is unanswered
  • pending_approval while a required approver has not acted
  • in_review during Slash review
  • scheduled or pending before network submission
Cancel with POST /v2/transfers/ach/{transferId}/cancel while the transfer is still pre-submission, including destination, approval, review, and scheduling holds. If network submission wins the race, cancellation returns 409. Cancellation is idempotent after it succeeds.
ACH transfer lifecycleACH transfer lifecycle
settled, canceled, and failed are final for submission. A receiving bank can still return a settled transfer later, moving it to returned and adding a return Transaction id to transactionIds.
ACH transfer after settlementACH transfer after settlement
Poll GET /v2/transfers/ach/{transferId} or consume aggregated_transaction.create and aggregated_transaction.update webhooks. The webhook’s entityId is a Transaction id. Retrieve that Transaction, read its transferId, and then retrieve the current Transfer.