Sending ACH

Pay a contact whose bank details you already hold with a destinationId, or let the contact supply them through an information request.

Before sending, you need:

a source virtual account with available USD
a US bank-account destination
a user API key with ACH access, used from an allowlisted IP

amount.amount is in minor units, so 1250 USD means USD 12.50.

curl https://api.slash.com/v2/transfers/ach \
  -X POST \
  -H "X-API-Key: $SLASH_API_KEY" \
  -H "x-legal-entity: $SLASH_LEGAL_ENTITY_ID" \
  -H "X-Idempotency-Key: invoice-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": { "amount": 1250, "currency": "USD" },
    "fromAccount": "subaccount_operations123",
    "destinationId": "le_contact_destination_bank123",
    "description": "Invoice 1042",
    "ach": {
      "speed": "standard",
      "companyEntryDescription": "VENDOR PAY",
      "addenda": "Invoice 1042"
    }
  }'

The response is the ACH Transfer:

{
  "id": "transfer_intent_ach123",
  "type": "ach",
  "status": "pending",
  "accountId": "sa_group_primary123",
  "fromAccount": "subaccount_operations123",
  "amount": { "amount": 1250, "currency": "USD" },
  "description": "Invoice 1042",
  "transactionIds": ["agg_tx_ach123"],
  "createdAt": "2026-08-18T01:00:00.000Z",
  "contactId": "le_c_vendor123",
  "destinationId": "le_contact_destination_bank123",
  "ach": {
    "speed": "standard",
    "companyEntryDescription": "VENDOR PAY",
    "addenda": "Invoice 1042"
  }
}

Store the Transfer id and use GET /v2/transfers/ach/{transferId} to follow its lifecycle.

Get started

Concepts

Money movement

Webhooks

Reference